davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TX)

I, XXXX XXXX, am submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, a consumer, a natural person, and the original consumer of an open-end credit plan, paid off a credit card debt with the last reporting balance on XXXX XXXX from VELOCITY PORTFOLIO GROUP XXXX CKS PRIME INVESTEMENTS Account Number XXXX that is still reporting on my credit report as a collection account. Even though the balance is paid, Ive never given this company consent to report this debt to my consumer report which is a violation of my right pursuant to 15 USC 1692 ( c ) ( b ) and is also a violation of my privacy pursuant to 15 USC 1681a ( XXXX ). Im also not sure how this company received my information because Ive never given it to them, nor did I give anyone permission to give it to them, so this is another violation of my rights pursuant to 15 USC 1681a ( q ) ( XXXX ). Though i did pay this balance off before being ignorant of my rights as a consumer, Ive still never completed any original contact nor have I any agreement with my signature on it with this company.
Consumer complaint received 2022-03-16
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. (OR)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its fraud
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC (MD)

The bank had blocked and hold funds in my account after balance transfer was processed. I have contacted them several times but there is no action taken. Thay have blocked my funds and hold it since XX/XX/23
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CORELOGIC INC (WA)

A company called Credco did a hard pull on my credit without any authorisation from me. I had absolutely NO knowledge of this check on my credit until and after I had applied for a personal loan from another lender and was informed that a hard pull had been performed on my credit by this company. 

When I called the company seeking an explanation they told me they had no record of me in their system at all. 

When I called XXXX thereafter, they confirmed that indeed Credco had done a hard check on my credit. 

I have absolutely no email nor any other record of having had any dealings with this company online or otherwise. In fact, I had never heard of them until informed of the hard pull on my credit. 

This check is fraudulent and done completely without my knowledge or permission.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (LA)

End of XX/XX/XXXX, I moved to a new house and discontinued services with XXXX. Returned equipment and paid bill. Few months later I found out I had a derogatory hit on my credit report saying I owed {$450.00} for not returning equipment. I was never notified in writing and found out through credit monitoring. I had mail forwarding for a while, but by the time this noticed received it had ended. I then contacted XXXX  and disputed with collections agency XXXX. It was removed from my account. Then convergent added to my credit report in XX/XX/XXXX with open date of XXXX. No letter or other notification of collections. I fought with them for a few months since I wasnt notified to dispute and finally was removed from my report. Then XX/XX/XXXX, another hit on my report, but now with credence rm. no letter or notice. Spoke to credence multiple times the past week and they said its company policy to send notice to address on file from XXXX. I asked even if its been 6 years and I discontinued service with XXXX for new address, which currently has XXXX  XXXX? Each time they add this collections to my report it always appears to be a new hit and I lose XXXX points on credit. I dont even get a notice its going to happen to try and prevent from being hit. Ive felt with XXXX and 3 different collections agencies and keep getting harrassed. Spoke with supervisor with credence and he didnt listen to anything I was saying and lied about being the only collections agency to request info. Told me they cant help I changed my address and that they couldnt update the incorrect info provided to credit agencies. And said the only way to resolve was to submit payment. Im not paying .1 to them for something I returned.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc. (FL)

I have been reaching out to the creditors on my debt since XXXX. I have sent dispute letters each month since then and have never received a response under the FCRA the creditor has 30 days to respond and remove the item off of my credit.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I have many issues that I 'm dealing with but I will list them below : # 1 Equifax has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 For the past 2 months I have received no credit report # 3 For the past 2 months I have received no statement of dispute or results # 4 When I call, I am given no answer and told to write a letter. See # 1
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

Equifax refuses to include public court records of satisfaction of multiple mortgages in my credit reports rendering them incomplete and casting an inaccurate false representation of my creditworthiness. This incomplete reporting subjects my family to significant economic disadvantages, including barring from access to loans and forcing to pay more for credit. 
Equifax falsely claimed improper identification not matching records, then initially advised, " Allow up to 60 days for the new account to appear on the credit file. But then Equifax reneged declaring " only public records supplied by their VENDORS can be included on consumer credit files. " This is a clear violation of the federal Fair Credit Reporting Act ( FCRA ) and requires decisive action on the part of the Consumer Financial Protection Bureau to fulfill its mission and charge of public trust and protection.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX while on the phone with Bank of America customer service I was offered a bonus if I downgraded my Bank of America Alaska credit card rather then close it. I was told that if I downgraded to a Cash Reward visa card and spent {$1500.00} within the first 90 days from the account opening that I would receive a {$100.00} bonus. 90 days from XX/XX/XXXX would be exactly XX/XX/XXXX by a simple count of the calendar days. 

On XX/XX/XXXX a post to my account of {$120.00} from XXXX XXXX put me well over the required amount of {$1500.00}. At this point the bonus requirements were made and should have triggered the bonus to be paid out. It was not. On XX/XX/XXXX I spoke with a customer service representative over the phone who told me that the bonus had been met and would post 8-12 weeks after it was met. This should have been no later then some point in XXXX. 

After the bonus still was not posted I called again on XXXX XXXX and spoke to customer service agents on the phone. This time they refused to acknowledge that the bonus had or had not been met but instead referred it to review. On XX/XX/XXXX I received a letter in the mail from Bank of America stating that I did not meet the {$1500.00} in purchase requirements within 90 days in order to qualify to earn the statement credit of {$100.00}. No specific information was given. 

The information gathered by B of A was inaccurate. I called customer service on XX/XX/XXXX to verify that the downgrade took place on XX/XX/XXXX. I checked on line to confirm that the {$1500.00} in purchases was made on XX/XX/XXXX. B of A owes me a {$100.00} statement credit. All of the above information can be verified by simply listening to the recordings of the calls that were made.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (MI)

I have filed several complaints regarding various issues related to the same accounts with subacconts. The CFPB complaint numbers are : XXXX, XXXX, XXXX, XXXX. The last XXXX entries were closed out with Equifax stating an " investigation was conducted and results were delivered. '' However, for at least XXXX subaccount, a copy of my credit report current as of XXXX XX/XX/2021, indicated no new information was updated since XXXX XX/XX/2021, a date BEFORE at least XXXX of the aforementioned complaints was filed. 

What is clear is that Equifax may be responding to the CFPB as " in-progress, '' but then making no attempt to reconcile the errors on a credit report that even contracdict other information for the sae account/tradeline. For example, Equifax claims a date of first deliquency for XXXX of XX/XX/2021, but the payment history clearly indicates " no data available, '' and the data furnisher has made clear, in a letter dated XXXX XX/XX/2021, the account was in deferment at that time. The corresponding date the deliquency was first reported has been re-aged to a date in XXXX of 2021, over XXXX ( XXXX ) year AFTER the alleged date of first deliquency. More egregious is a payment history status for XXXX showing XXXX XXXX but an amount is listed showing there was no amount actually charged-off. 

It is very clear that the data furnisher can not keep accurate, verifiable records. As such I have asked that Equifax remove the accounts/tradelines with the erroneous data. What Equifax has done instead is to manipulate the dataset they receive to try and make the to reconcile the unverifiable information -- that exercise has failed. 

The accounts/tradelines correspondig to the data furnisher for XXXX and XXXX, being wholly inconsistent and contradictory for the same temporal periods, needs to be removed.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM A VICTIM OF IDENTITY THEFT. 

THESE FRAUDULENT UN-IDENTIFIED COLLECTION ACCOUNTS ARE NOT MINE. THESE COLLECTION ACCOUNTS ARE NOT MY ACCOUNTS. 

THIS IS A RESULT OF IDENTITY THEFT AND FRAUD MY IDENTITY WAS STOLEN. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE REMOVE AND BLOCK THESE FRADULENT COLLECTION ACCOUNTS XXXX ) Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX XXXX Transunion XXXX XXXX XXXX XXXX ( balance XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX XXXX  ) Transunion XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) Transunion XXXX XXXX XXXX XXXX XXXX  balance XXXX ) XXXX ) Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

Verification of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This letter is sent in response to letter I received on XX/XX/2021. I am requesting that you provide verification of this debt. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt. 
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX Data Breach Victim.
Consumer complaint received 2021-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

Good morning, I am reaching out to you because my Senator recommended this as the next step in the process of fixing the problem. Since XX/XX/XXXX I have been in an ongoing battle with XXXX XXXX Tax Assessor and Carrington Mortgage. In XX/XX/XXXX I was told that the mortgage company did not submit the proper paperwork showing my home was my primary residence so I was assessed at a higher rate. From XX/XX/XXXX to XX/XX/XXXX I submitted every document required to fix this problem. I proactively kept the mortgage company abreast of the situation. In XX/XX/XXXX the mortgage company did an assessment based off of the erroneous tax information and changed my mortgage from XXXX to XXXX. In XX/XX/XXXX XXXX XXXX confirmed they made a mistake and put in the correction to refund XXXX. Carrington mortgage did not correct the mistake until XX/XX/XXXX. During that time the mortgage company put me on forbearance so everything could be fixed. I submitted a total of XXXX to them and instead of them applying it correctly, they applied it as if the amount due was still 3900 monthly. In XX/XX/XXXX Carrington finally corrected my mortgage to XXXX but refused to fix the errors that made my account almost 25k over what was due. I was told that all I had to do was write a letter requesting that the overage be refunded or applied to the account correctly. That was on XX/XX/XXXX. As of today I am being told that they can not fix the error in the system until I pay XXXX to bring the account current under the incorrect amount. Then once I pay the XXXX they will fix it and send it to me. I dont have XXXX just lying around. I have tried contacting Carrington mortgage several times and they keep giving me the run around. I have emailed XXXX XXXX ( XXXX XX/XX/XXXX ) and have yet to hear back from him or anyone on his team. I am a small business owner and Covid has greatly affected my income. I am asking for your help because this is a lender that is not doing business correctly. I am a minority XXXX XXXX veteran that served my country honorably and have continued to service my community. I dont think it is right that I can possibly lose my home because of an error made by humans that refuse to correct. I keep being told that they understand my anger and want to correct it but they cant correct what is input to the computer. I work hard to provide the American dream to my daughter and to show other minority women that success can be achieved when effort is applied. However, this refusal to fix a simple error is going to destroy everything I have worked hard for over the past 20 years. I have the paper trail to prove that I did everything correctly.
Consumer complaint received 2019-08-07
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. (NY)

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX   XXXX, XXXX BXXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX on my Equifax, XXXX and XXXX   credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.