davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX Tuesday I was in my office and my desk phone rang. Because I was with a customer I ignored it, but the phone rang back to back XXXX times. Then a forth. I answered it because I thought it was an emergency. 

I excused myself from my client who was sitting in front of me and I said hello. A guy says is this XXXX, " I said is this an emergency? '' He says " no I have some good news for you is this XXXX. '' I said " if this is not an emergency I am hanging up ''. He says " so it is XXXX, This is an attempt to collect a debt ... '' So i got very upset because this man is playing on my phone when I am trying to conduct business at work. 

He tried to trick me to validating a debt that I don't know about. Plus stressed me out by calling my job back to back having me thing that there was an emergency. My mother is a very woman. Has been all of my life. Cals like this alarm me and messes with my mental capacity to perform at work. 

I already told these people to stop call me after hours on the east coast.
Consumer complaint received 2022-11-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-05-10
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. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX  XXXX Balance Owed : {$4000.00}, XXXX XXXX  XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance XXXX : {$18000.00}, XXXX XXXX XXXX XXXX  : {$660.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX 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 XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-12-28
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was able to get my credit report in the past from all 3 bureaus as recently as XX/XX/XXXX from XXXX  and XXXX XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from TransUnion or XXXX. TransUnion states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. XXXX. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send TransUnion and XXXX my complain and in return they may or may not  send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a  time. 
I also would like to sign up with TransUnion True Identity credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I have tried purchasing items from XXXX XXXX XXXX XXXX, all of which have been declined. 

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using funds less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts on various of other venders all than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (PA)

EdFinancial Services has notified me several times about how the change in their online servicing system, that my loans will be transferred to this new system before interest starts accruing on my loans on XX/XX/XXXX. Once the loans are fully transferred to their new system, I will receive a confirmation email from them and will need to make a new account on their new system to set up a profile. 

Their first email about this transfer was on XX/XX/XXXX stating that the transfer would take place on XX/XX/XXXX I then receive another email on XX/XX/XXXX, stating that there was a slight change from the original transfer date ( XX/XX/XXXX ) and that my federal loans will be transferred at a later date, with no mention of the new date in the email. 

I then received a XXXX email on XX/XX/XXXX stating that effective XX/XX/XXXX, EdFinancial will transfer my student loans to the new online service and that 2 weeks after XX/XX/XXXX, I will need to create a new online account once I receive a confirmation email from them. 

No email was received on XX/XX/XXXX about setting up a new profile. 

XX/XX/XXXX, I called EdFinancial to ask about this issue and that I wanted to pay off my federal student loans XXXX before interest resumes in XXXX. The CSR said that the transfer processing from her side and that I should be receiving an email from them on XX/XX/XXXX to set up my new profile once its complete XX/XX/XXXX, I receive an email with the same message that there has been a " slight '' delay in transfer date. No specific date mentioned about when it was to be completed. 

XX/XX/XXXX, I never received an email to set up a profile like the customer service rep said in the phone call. 

It is now XX/XX/XXXX, and still no email to set up a profile. In fact, I got an email from them at XXXX tonight ( XX/XX/XXXX ) stating that theres been a delay with the transfer- no specific date mentioed. 

If I try to log in with my old credentials, or try to go ahead and set up a new profile without the their email, it states that EdFinancial has no record of my account even when I provide my full name, birth date, and social security number. At this point, I can not access any of my loans to pay them off before interest resumes on XX/XX/XXXX. 

What is the delay?
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXe credit has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Velocity Portfolio Group (GA)

I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.
Consumer complaint received 2023-05-13
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. (NC)

This is XXXX XXXX and I am submitting another CFPB Complaint to request the Credit Bureaus ' assistance in removing several fraudulent accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the Credit Bureaus, the fraudulent accounts remain on my credit report. I have attached a copy of the previous Letter I sent to the Credit Bureuas to this complaint for your reference. The accounts in question are as follows : XXXX XXXX  XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I am expecting the removal of the disputed fraudulent accounts off of my Credit File without delay.
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

Our mortgage was sold back in XX/XX/XXXX to Faye Mortgage Service. ( Mortgage XXXX ). At the time our mortgage was sold we were not appraised of the sale. In XX/XX/XXXX or XXXX of XXXX we received notification that our home was in foreclosure and that we were 6 months in arrears. All along XXXX XXXX had been receiving our payments. We were at that time able to direct them to XXXX XXXX to straighten things out. However they continued to tell us we were in arrears. We sent them two years of cancelled checks as verification that we were not in arrears. We get names of people assigned to our case who we speak to for one minute who then never call us back - we send emails ; write letters and call. No one ever responds. We have sent numerous emails each time with copies of cancelled checks. Now they refuse to accept our mortgage payments as they say we are either in foreclosure or pre-foreclosure. This is unfair. No one at Faye ever ever ever responds. Ever. This is a transactional issue between Faye and XXXX and I am about to loose my house over this - I need help.
Consumer complaint received 2023-02-22
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. (IL)

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. I'm looking forward that the following items will be deleted as soon as possible : 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 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 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 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 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 XXXX XXXX
Consumer complaint received 2023-02-22
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. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

To whom it may concern, I am writing to express my extreme dissatisfaction with the handling of my account after switching from XXXX to XXXX XXXX XXXX. I made the decision to switch to XXXX XXXX XXXX primarily due to the enticing offer promising to buy out my existing XXXX contract. I was assured that all outstanding amounts with XXXX would be taken care of by XXXX XXXX XXXX. 

However, to my dismay, I recently discovered that my XXXX bill was sent to collections without any prior notification to me. This information was not communicated to me by XXXX XXXX XXXX or XXXX, and I was blindsided when I noticed the negative impact on my credit score. It has been almost 2 to 3 years since I switched providers, and this sudden revelation has caused significant distress and inconvenience. 

I find it unacceptable that such an important matter was not communicated to me in a timely manner. I have always been diligent about my financial responsibilities and have never missed a payment without prior knowledge. The lack of transparency and communication in this situation is deeply concerning. 

I request immediate action to resolve this issue. I expect XXXX XXXX XXXX to honor their commitment and settle the outstanding amount with XXXX as promised during the switch. Additionally, I urge both XXXX XXXX XXXX and XXXX to review their communication protocols to ensure that customers are adequately informed about any changes or outstanding balances.
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (TX)

On XX/XX/XXXX I received a text from Tate & Kaitlin Associates that stated they are a XXXX XXXX XXXX XXXX for XXXX, they furnished a link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number and the guy I spoke to told me that it was collection for XXXX of which is an internet provider that I have never used. The person said it was for XX/XX/XXXX. I could not understand him so I really do not know what ALL he said. I then found information on the company that this could be a SCAM. 


The Account number that was attached to this is XXXX XXXX XXXX 

Just Note, I get Free Internet at my Home as the Communication Tower is located on my Property.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On Tuesday, XX/XX/XXXX i logged into my Truist bank checking account to pay some bills. i was shocked to see that i had no money in my account. I immediately called the bank and learned that money was transferred from my Truist account to my XXXX XXXX XXXX credit card. The cyber criminals transferred {$2100.00} to my XXXX cc and then tried to get an advance which is when XXXX noticed thish suspicious activity and flagged my account. 
To date, i have spen 12 days dealing with these 2 institutions trying to get my money back. The funds were not ever received by the criminals but these institutions have failed horribly in leading me through this process to secure my money. I had not a XXXX to my name except for these funds and now my bills have gone unpaid, fees have accrued and i have spen over a hundred hours trying to get this resolved. Every call i make results in yet another task for me to complete. Even today when i spoke to XXXX at XXXX he told me that the Truist fraud department needed to send them a statement called, Holding Harmless to release the funds. Why wasnt that told to me in the beginning, This is just one example of the challenging process i have had to endure and spend every moment during and off work dealing with this extroadinary dysfunctional institutions on both ends The incompetancy of both of their fraud departments is incomprehensible and i'm have been made the victim not once but over and over again. I reached out to the states attorney office and connected with a staff attorney named XXXX who gave me homework to do to register my complaint. There is so much more but this would take a live communication to explain all the ways in which these banks fakile to do their job