davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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 — Problem with personal statement of dispute
Company: Continental Credit Control (CA)

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but XXXX has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Consumer complaint received 2019-11-29
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-01-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but Equifax has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For Equifax, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Consumer complaint received 2018-10-02
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX,2018/ XXXX XXXX2018,   XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2024-03-13
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was asked to do a credit check by an apt and they sent me a link to transunion to do a 7 day trial and was told i could cancel it after, well there is no option to cancel online and Ive tried to cancel through chat multiple times with no success, they keep telling me to follow these steps, but the steps dont lead anywhere, this has been going on since XX/XX/XXXX and they just keep billing me and refusing to cancel my acct when i ask, they give me some XXXX 10 steps to follow to cancel but none of that works and doesnt even show up past step 2
Consumer complaint received 2022-01-04
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX  XXXX || Account Number : XXXX
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this LVNV Funding LLC XXXX XXXX account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX  because of this collection that is not mine as explained to both XXXX and LVNV funding since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but XXXX XXXX approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by LVNV Funding. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and LVNV funding started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a XXXX Demand letter asking for the original signed contract after XXXX days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a capital one credit card an in the credit wise it seems like someone is opening another account in my name. Just want to be sure Im ok. An that no one has used my info to open another account.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CAPITAL ONE is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. CAPITAL ONE has taken adverse action against me by closing my accounts due to none payment for medical related complications Im experiencing. CAPITAL ONE went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( CAPITAL ONE ) and utilization which is the experience between the consumer and the person ( CAPITAL ONE ) making the report. Congress says that transactions OR experiences between the consumer and the person making the report is not included in your consumer report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several accounts opened using my personal information fraudulently to obtain financial services or goods. The listed accounts documented in this report are not mine and should not be reflecting on my consumer report! According to 15 US Code Section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies this information that results from alleged identity theft. Also, 15 US Code 1681 Section 604A Section 2, states, that a consumer reporting agency can not furnish an account without the consumer 's written instructions. The accounts listed should have never used my information as I never provided them my instructions to do so on my behalf. 
Therefore, these accounts are not mine and should not be reported on my consumer report. Ultimately, I am demanding the deletion of these listed accounts
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

On XX/XX/XXXX, I entered into a COVID-19 Forbearance plan with SPS to cover XXXX, XXXX, and XXXX, XXXX and a late payment for XXXX, XXXX for an amount totaling {$4400.00}. 

On XX/XX/XXXX, SPS sent a COVID-19 Forbearance agreement with a total amount of XXXX, reflecting a calculation error identified as a two-month late payment in the document. 

On XX/XX/XXXX, I wrote to SPS to inform them of this error and to have it corrected. I received a confirmation of receipt letter from SPS in response, but nothing that addressed the issue. 

On XX/XX/XXXX, SPS sent a letter informing me that my COVID forbearance was ending soon ( XX/XX/XXXX ) and that I needed to resume making mortgage payments. I resumed making on time mortgage payments in XX/XX/XXXX and have continued for XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I completed a COVID-19 Forbearance Deferment form on the SPS website . The SPS deferment agreement was in the amount of {$5900.00}. I did not accept the agreement and again wrote to the XXXX XXXX at SPS on XX/XX/XXXX for help resolving the issue. 
SPS responded in writing On XX/XX/XXXX to state that {$5900.00} reflected mortgage payments from XXXX through XX/XX/XXXX. 

I wrote to the XXXX XXXX at SPS again on XX/XX/XXXX, providing detailed documentation of the error and asking for assistance to resolve the issue. SPS responded on XX/XX/XXXX stating that they had already addressed the issue and referred me to their letter of XX/XX/XXXX. 

I telephoned the XXXX on XX/XX/XXXX and explained the situation again to a live representative. I was told at that time I would have a resolution no later than XX/XX/XXXX. I received no communication from SPS and called the office again on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from the same representative, informing me that my mortgage payments for XXXX, XXXX and XXXX had been applied to the COVID forbearance months, that the now {$1400.00} excess payment was an escrow shortfall adjustment, the COVID 19 Forbearance deferment was not being offered to me, that my account was now being referred for foreclosure and that my only choice was to pursue loss mitigation. My last two escrow statements do not reflect a shortfall. 

I have tried for months to resolve this with SPS. Instead of acknowledging the original calculation error, they have persistently tried to attribute it to different and factually inaccurate sources. It can be verified that I made the mortgage payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. It can be verified that I did not have an " escrow shortfall '' in the amount of {$1400.00}. I can not ascertain whether my experience with SPS is a result of incompetence or criminal malevolence. I would like the matter resolved immediately.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have foXXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX