davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( account XXXX XXXXXXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA! 
I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management collection agency is requesting I pay a total amount of {$6800.00}. I disputed this account and told them this is a fraudulent account. They responded saying they verified the debt as mine however did not include a physical verification of the original signed consumer contract in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A I have sent a second dispute letter out to them with my police report and all required documents.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

The department of education has discharged federal student loans for XXXX XXXX students for the following : pervasive and substantial misrepresentations to prospective students about postgraduation employment rates, salaries, and career services during that time. '' Article found here XXXX XXXX XXXX XXXXXXXX This should also be applied to Private student loans for The XXXX XXXX XXXX Please discharge all privately held loans.
Consumer complaint received 2023-03-14
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (MO)

I received a letter dated XX/XX/ from " Spire Recovery Solutions '' stating that they are trying to collect a debt that I owe to " XXXX XXXX XXXX XXXX '' in the amount of {$1900.00}. 

I have never heard of " XXXX XXXX XXXX XXXX ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with Spire Recovery Solutions. I submitted my dispute through their website at " https : //spiresupport.freshdesk.com/support/tickets/new '' and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.
Consumer complaint received 2023-03-14
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. (MS)

Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report, these accounts are violation, any credit transactions are supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) Rehabilitation of private education loans, these loans below have completed the Rehabilitation process XXXX {$50000.00} Department of Education {$16000.00} Department of Education {$11000.00} Department of Education {$7500.00} Department of Education {$6300.00} Department of Education {$5700.00} Department of Education {$3400.00} Department of Education {$3300.00} Department of Education {$2500.00} Department of Education {$2500.00}
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX a person claiming to be a representative from chime ( chime is my online bank ) stated there was fraudulent activity on my account. He already had all of my info, my full name, my address, my email, my phone number and my pin number and my login details. He then proceeded to tell tell me that he was going to send me a temporary password and then i would have to provide him with the password to make sure it was correct which I did and as soon as I did the line disconnected and when I tried to call back it kept going to voicemail. On the following day I received an email stating XXXX $ was transferred out of my account WITHOUT my authorization. And I called Chime and I spoke to a representative and the rep. saw the person who talked to me the day before MADE notes on my account. And ever since I made appeals and kept getting denied saying it was my fault and there was no Error and I provided Chime with more than enough info than needed to the point that the Fraud 's department supervisor was also surprised that I've been getting denied 4 times in a row when it was fraudulent activity and also identify theft.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for Alduous and Associates to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on ALDOUS AND ASSOCIATES XX/XX/2022. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2017-05-03
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. (FL)

my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a booking through capital one travel to stay at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX The booking was made at XXXX, as I was driving from Indiana to Texas and needed a place to rest for the night. I was not planning on getting to the hotel before XXXX, but figured I'll make a booking in advance. 
At no point during the reservation process - including the " policies '' that are detailed in the booking page - was I told I had to get to the hotel before XXXX  ( otherwise, for obvious reasons, I wouldn't have made the booking ). 

When I got to the hotel, I was told I was marked as a " no show '' and they can not give me my room, but I can book a new one ( and pay for it as a new reservation ). 

I was trying to get capital one to resolve it, or refund me. 
They said it is my problem that I did not call the hotel to tell them I am arriving after XXXX, and that in the email they sent me after I booked ( a non-refundable booking ) it stated I had to be there before XXXX. 
Not only did I not open the email until I got to the hotel ( why would I? The web page said my booking was confirmed ) - but even if I had opened it - I was still not going to make it before XXXX, and couldn't cancel the reservation as it is non-refundable. 

The hotel refused to accommodate me, Capital one say they won't refund me. 
I think it is wrong on their behalf to not state at the time of booking ( before I confirm & pay ) that I must be at the hotel before XXXX, or call the hotel if I don't. 

When I called capital one they said I deserve nothing. 

This seems like bad faith behavior.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current (CA)

I received a Current credit card that I have never applied for. Contacted the company to let them know and asked to be provided more information but they responded that I needed a warrant, subpoena, or other formal law enforcement request. Now I am worried that somebody has stolen my identity but this company wont do nothing to help the person affected ( me ).
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I did not authorize any of these inquiries i think someone may be using my identity Inquiry date XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB CARD SERVICES XX/XX/XXXX JPMCB CARD SERVICES
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

The company listed below is reporting fraudulent information stating that I have a collection account with them. I have no collection account with any company and they are harming me financially, not only that, they are stating I owe something as of XXXX of this year, XXXX review of my credit profile will show that I pay my creditors off almost completely every month. They have also not communicated anything to me but has heisted my credit profile in what appears to be extortion, my credit cards routinely run over $ XXXX and I pay them off in full, I certainly owe this fraudulent company nothing, I'll also include that my phone number has not changed in 21 years. I don't know who these people are and I certainly don't owe them anything this issue has dropped my credit score by XXXX points and I owe them nothing, my credit file has been in good standing for years and I owe no company anything. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$940.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$940.00}
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (WA)

Before my loan was sold in XXXX, I made a payment to XXXX  head company where my loan was located. I first split the payments and paid XXXX $ on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, and XXXX $ on XX/XX/XXXX. I was then told that my.loan was transferred to the smaller XXXX  branch and I couldn't split my mortgage payments and then paid XXXX $ on XXXX the XXXX, XXXX. 

As of XXXX months later, XXXX full months house payment has never been applied to my account as it makes sure to have accumulated almost XXXX dollars in fees. I have sent receipts of money paid from my account and they still say they are waiting for the funds to be transferred between branches. They keep telling me they are working on it and nothing ever progresses. Now my credit is suffering, dropping almost XXXX points and I have had no resolution on a payment I've already paid and people repeating " we see there is a task open '' without any action for almost a year now. 
Every single day I get a call or email and I have to repeat the same information and nothing is changing while I am the one being punished for a payment I've already made. 
I am now stuck and can't refinance my house. I feel trapped without them reporting my payment and fixing my account. I want them to fix this so I can get away from this company. I feel like they are holding me XXXX and taking my money without caring what this is doing to my life.
Consumer complaint received 2023-11-18
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. (TN)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-03-14
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. (CA)

XXXX  XXXX balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
XXXX XXXX claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX charged further {$40.00} to bring the balance to {$160.00}. 
I did call XXXX XXXX when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with XXXX XXXX explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. XXXX  XXXX damaged my credit by XXXX point down across the three credit Bauru 's. XXXX XXXX ignored the credit consumer protection bureau laws : XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.