davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION SERVICES OF ATHENS, INC. (NC)

There is an item placed on my credit report by Collection Services of  XXXX collecting for the original creditor : XXXX XXXX the alleged balance is {$210.00}. I am not aware of this account, I have no knowledge of it. I never received a notice from this company, written or otherwise in regards to this debt, they just placed it on my credit reports without my knowledge, nor was I given the opportunity to dispute this alleged debt pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act. I was denied my legal rights by federal law.
Consumer complaint received 2020-09-27
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: JPMORGAN CHASE & CO. (FL)

Chase credit card inquires on XX/XX/2020 and XX/XX/2020 that I never authorized. XXXX XXXX XXXX XX/XX/2020 inquiry that I never authorized.
Consumer complaint received 2020-08-05
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: CBC Companies, Inc. (TX)

I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX through annual credit reports. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me I did not apply for a home on XX/XX/XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please send me a letter stating that you did so feel free to upload it XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-05
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. (CA)

Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, Experian, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than XXXX years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (PA)

On or about XX/XX/2020 i submitted a consumer statement to experian to be added to my credit report no. XXXX despite repeated calls and emails experian refuses to add it to my report.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (WI)

On XX/XX/2020 XXXX Law ( Law offices of Mitchell D. Bluhm and Associates ) reported a collection account on my credit report from XXXX XXXX XXXX XXXX for {$960.00}. I was never made aware of this debt from the original creditor or the collection agency unitl on or about XX/XX/2020 when I began applying for a mortgage company and was made aware that is was negatively impacting my credit score from the mortgage agent and causing issues with my approval. On XX/XX/2020 I immediately contacted my insurance company XXXX of Illinois to find out what the issue was, I was informed that this should have been paid by the insurance, but due to a billing error betweein the hospital, medical group and insurance company it was not. Since any emergency issues are covered at 100 % under my insurance policy I was not aware of the outstanding balance. XXXX  of Illinois made arrangements to send payment to XXXX XXXX to pay the amount in full that day and said it would be processed in 7 days. I then contacted XXXX XXXX and left a message concerning the account. I recieved a voice message back on XX/XX/2020 confirming that it was a billing error and that they were contacting XXXX ( MBA Law ) to remove the account from collcetions and that I should expect a letter from the collection agency confirming the account was removed. I waited 2 weeks then contacted MBA Law to find out the status of the removal. They said I still owed the account. I asked if they had been contacted by XXXX XXXX and they stated that they had not. I understand things take time, however I asked MBA Law what I could provide them to expedite this since it is holding me up from obtaining a mortgage and she said she would " note my account '' and that I needed to show them proof it was paid. I asked if we could contact the creditor to confirm payment and was placed on hold she again said she said I would need to provide proof to them. I said I needed this removed completely from my credit report and not just show it as paid, and again she stated she would notate my account and that was pretty much it. I do not understand how a collection agency does not have to offer any information or a solution as to how to get the issue resolved with them when it is clearly an error on their clients part and causing a hardship. They are refusing to take any action to contact the creditor and resolve this issue or provide me with what is needed to have this removed from my credit report.
Consumer complaint received 2020-09-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SECURITY FINANCE CORP (TX)

Pursuant to the previous complaint filed against Security Finance, I submit to the CFPB as evidence A Redaction in the attached Cease and Desist Letter I received dated Thursday XX/XX/XXXX. 

In this letter Security Finance admits to a conversation I had with them the day before dated XX/XX/XXXX asking them to cease and desist their phone calls ... Prior to XX/XX/XXXX I had asked Security Finance numerous times to stop calling me a request they categorically and systemically ignored until I took it upon myself to contact their corporate office ... I am putting the content of the letter here for ease of reference as well as attaching it as a file for consideration. 

XX/XX/XXXX Dear Ms. XXXX : This is in response to a request we received from you on XX/XX/XXXX. Pursuant to your request, we have noted in your account below the cease and desist of collection activity and communications ... As permitted by law this letter shall serve as our first communication to you. 

Loan Number ( s ) XXXX Even though you have chosen to end contact on this debt, you are still obligated to to repay your loan. Please contact the branch to discuss your circumstances and arrange for the repayment of this debt. You can reach the branch at the address or number below. 

While we will end all future communications, all applicable late fees, charges and collection costs will continue to accrue on your account. The reporting of accurate data is an essential obligation of Data Furnishers under the Fair Credit Reporting Act, 623 ; therefore, we can not change or dele On Behalf Of : Security Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Security Finance Co. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00}
Consumer complaint received 2020-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Date - XX/XX/2020 Amounts - Unknown I received an email from Experian that my dispute had been submitted, " You have opened a dispute on your Experian credit report. '' However, I did not open a dispute. When I selected the " not you '' option on their website, it said, " If you don't recognize this activity, contact us. '' phone number is XXXX. When I called, it was just a recording and phone tree about memberships and fraud, there was no option to speak to a human or to get report an issue. So the problem is, ( 1 ) I didn't file the dispute, ( 2 ) there isn't a way to find out how or what the dispute is about, ( 3 ) Experian 's customer service is a dead end and useless when it comes to fixing a problem within their own system.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CMRE Financial Services, Inc. (TX)

I called CMRE XX/XX/2020 in regarding to dispute the validity of the debt that isnt mine the representative by the name of XXXX was abusive and racially used the word gal as I corrected her to be professional she stated stop being a dramatic XXXX and gave me account number # XXXX and hung up the phone in my face after I said that they are violating the FCRA
Consumer complaint received 2020-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

This company has engaged in a very deceptive, predatory loan practice. I am being charged interest of {$7900.00} on a {$7000.00} loan. This was not clearly outlined in the online process and all of the payments so far have barely moved the outstanding balance. I have contacted the company many times with no response. This loan needs to be review and adjusted. My account number is XXXX. Loan with this type of interest should be illegal as this is equivalent to an online payday loan which is not legal in the state of Georgia.
Consumer complaint received 2020-08-05
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: Sa-Vit Enterprises, Inc. (NJ)

I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX  who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, Sa-Vit Collection agency, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I have been purchasing this home and property for 17+ years, first under owner financing, then as a cash payout, then my ex-husband for a home equity loan against the property, then we got divorced and I was left with the loan in his name but I didn't have the credit to get it in my name until XXXX which is where this current loan comes in. I have made all my payments, except two of the payments were late. I had to leave work in XX/XX/XXXX and file for SSDI and then in XX/XX/XXXX my fiance unexpectedly died of XXXX XXXX from XXXX and left me with no income. I was paid up on my mortgage payments but rec 'd a letter from Huntington Bank trying to press foreclosure. I tried to get a report from them to confirm they had the same payments as I did, but I only got it after I filed a complaint against them with the WV State Attorney General 's office. Their records show the same payments but there are some discrepancies somewhere. Since all this debacle I am now missing payments but they have put me through unnecessary grief up to now. I filed for HomeSavers and they closed it unnecessarily without even telling me. They refused to give me a forbearance option. They have discriminated against me and have been very rude and obnoxious to me during the times I have sought assistance with them.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc. (GA)

I received a letter from XXXX, XXXX in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name A TCI, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BOEING EMPLOYEES CREDIT UNION (CA)

XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. 
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in  XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than  seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 I sent a certified letter to Capital One asking for debt validation. To date, they have not sent any communication to me, but continue to report on my credit reports. My attached letter includes my name and account number ( as reported on credit report ). I have also sent letters to XXXX, XXXX and XXXX asking for debt validation. In all 3 cases, they have responded back as the debt is verified. I followed-up with a proof of debt verification letter, and have not received responses from any of the three credit reporting agencies. Since I sent the letter certified, I am attaching proof that my letter was received to Capital One on XX/XX/2020.
Consumer complaint received 2020-08-05
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. (TX)

Upon review of my credit file I recently reviewed a collection reported by XXXX XXXX XXXX XXXX. Transunion has allowed this erroneous collection to report to my credit file. In pursuant to the FCRA section 609 (  A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file. All information in pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX, 2023, my XXXX  loans with XXXX were forgiven under the XXXX program. I received notification that the balance on my loans was reduced to {$0.00}. However, these updated balances have yet to be reflected on my credit reports.
Consumer complaint received 2020-08-05
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (NJ)

I sent a letter to Experian disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. Experian received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.