davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D. SCOTT CARRUTHERS (VA)

Getting repeated calls from a XXXX XXXX threatening to come to my job and demand that I sign papers for a court order that is on her desk. She also wants to see my supervisor and have my supervisor act as a witness in the signing of those documents. She is calling from a Georgia number - XXXX. I am located in Washington , DC.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I've come to discover Portfolio Recovery Associates, LLC my name in collections with a negative reporting on my credit reports in all 3 major credit bureaus. I have asked 2 times to for Portfolio Recovery Associates, LLC to send me proof/documentation that legally binds me to the debt and have NEVER received an email, or a letter by mail with such evidence. I would like such false information to be removed from my credit file asap. 

XXXX XXXX
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (TX)

I received a letter from Outsource Receivable Management. I received it via regular USPS mail ; it is not certified. The letter is dated XX/XX/XXXX. In the letter it demands in full payment of {$850.00}. It alleges this is a debt from XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I telephoned XXXX XXXX XXXX XXXX and provided them with my personal information ; I also told them I received a collection letter from Outsource Receivable Management demanding payment for a debt. XXXX XXXX XXXX XXXX could not find an account using my information ; nor could they locate any monies owed. They directed me to call Outsource Receivable Management, which I did on Monday XX/XX/XXXX at XXXX CT. 

I spoke with a gentleman and told him the aforementioned facts. I conveyed that I dispute the validity of the debt on the grounds that 1. XXXX XXXX XXXX XXXX can not locate any such account or debt owed in my name. 2. That I never received proper notice from Outsource Receivables Management. The gentleman then stated that in XXXX of XXXX, a notice was first sent ; He alleged that this alone constitutes that I owe a debt to XXXX XXXX XXXX XXXX. This is false and in violation of FCRA. 

I asked Outsource Receivables Management to provide me with a statement from the bank ; with my account information and my name to prove this account not only exists but that I am the owner of it. Because as I have stated XXXX XXXX XXXX XXXX  has no information about such account. The representative for Outsource Receivables Management said that he can only resend the original demand for payment from XXXX. 

This is all in violation of the FCRA. 1. The alleged first notice sent in XX/XX/XXXX was never received by me ; moreover, it was not sent via certified mail. Therefore, notice is ineffective. 2. Outsource Receivables Management has not and can not provide me with information they received from the Bank that actually ties me to the account ; nor can they prove that I even had an account with the bank or owed the bank money. 3. This was verified in a phone call with XXXX XXXX XXXX XXXX collection department today XX/XX/XXXX. 

As such, absent being able to provide me with bank statements with my personal information and showing a debt owed, Outsource Receivables Management has violated the FCRA and as such should withdraw the request for payment and send this account back to XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-05
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. (LA)

Hi my name is XXXX XXXX and I recently reached out to XXXX and Equifax to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (OK)

On XX/XX/XXXX, I activated a new Direct Express card to receive my Social Security benefits. The next day, I found out that I was unable to pay bills with it. Ironically, all money is still there. I have called Direct Express and was put on hold for half an hour. After that, I decided to hang up.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
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: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

Good afternoon, I am writing to you regarding an account that I have previously disputed in XXXX  that account is not mine and it is damaging my credit history, I do not have nor have I had a credit card in the past with the Macys department
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Gitsit Solutions, LLC. (NJ)

I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

Escrow Mismanagement. As Planet Home Lending customer ( Loan # XXXX ), I have been paying all monthly payments on time but so far Planet Home Lending has not been transparent of all the taxes and other residential fees payment from Escrow. Recently there is a 10 % penalty applied from School District Real Estate tax due to payment has not yet been made. All bills copies have been scanned & emailed soon as I received it in the mail but the payment was not made on time. It is frustrated that the law doesn't allow homeowner ( borrower ) to take care of their own tax bills but then the lender provide poor services like this. Now the property will soon be in lien status.
Consumer complaint received 2021-10-04
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. (SC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC (GA)

I AM REQUESTING ALLL DOCUMENTATION FROM MCCALLA RAYMER AND OR MCCALL RAYMER LIEBERT AND PIERCE FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. 

IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. 

SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL.
Consumer complaint received 2021-10-04
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. (PA)

XXXX XXXX is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aldridge Pite, LLP (GA)

I AM REQUESTING ALLL DOCUMENTATION FROM Aldridge Pite LLP FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have never applied for credit with XXXXXXXX XXXX. I was in XXXX XXXX in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA RESPONSE CFPB XXXX USAA CONFIRMS FALSE CREDIT REPORTING INFORMATION DESTROYING MY CREDIT CLAIMING I REPORTED FRAUDULENT FRAUD. USAA Confirmed I Reported XX/XX/XXXX Transactions of XX/XX/XXXX - XX/XX/XXXX {$470.00} FRAUD ( see XX/XX/XXXX FRAUD CLAIM OF XX/XX/XXXX ) PLUS ADDITIONAL FRAUDS I DID NOT REPORT. USAA Confirmed I REPORTED {$470.00} + plus XX/XX/XXXX-XX/XX/XXXX {$180.00} Plus + XX/XX/XXXX - XX/XX/XXXX + {$59.00} UNTRUE. see attatched XX/XX/XXXX STATEMENT ( ALL CHARGES FROM XXXX XXXX TO XX/XX/XXXX ARE INCLUDED IN WHAT I REPORTED {$470.00} FRAUD. ) USAA FABROCATED FRAUD REPORTS NOT MADE BY ME. THIS IS ILLEGAL ISN'T IT???
Consumer complaint received 2021-10-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, Citibank retired the online " Financial Tools '' suite that had been available to banking customers since XXXX. They provided minimal notice to users. I have used the tools to categorize and track my banking transactions for the past 10 years, including tracking tax-deductible charitable contributions. The online portal only allows a user to export 18 months worth of transactions in formats like XXXX, XXXX, XXXX, XXXX, and others. On a support call on XX/XX/XXXX, they told me that they will not export transaction history for the past 10 years in any format except a PDF. When I requested an email for a support desk where I could work with someone to get my data exported to one of the non-PDF formats, I was told requests for data older than 18 months are only handled over the phone, and the data will only be sent as PDFs of old statements. I spent many, many hours over the last decade updating and annotating my transaction history data in the Financial Tools system. Now I can not even export it to put it into a different tracking system like XXXX or XXXX. XXXX, XXXX, and other online service providers have features to allow you to export the data associated with your account. Why isn't my bank of 13 years required to do the same?
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, Citizens Bank reported my auto loan 30 days late. In XX/XX/XXXXwe applied for a 3 payment  deferment because of Covid-19 and was approved. My job closed on XX/XX/XXXX and The 3 months covered were XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX with our next payment being XX/XX/XXXX. 
I contacted Citizens bank on XX/XX/XXXX by phone and a faxed request when I was informed that my credit had dropped by 90pts. The representative at the time said it would be corrected by the following Friday XX/XX/XXXX. I called in and no one could find my request and there were no notes in the system. i refaxed the same request and was told it could take a few days. I called today, XX/XX/XXXX and now the supervisor tells me it would take 30 days and the notes state that its only being reviewed. 

I would just like my account and credit score corrected.
Consumer complaint received 2021-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Services Group, Inc. d/b/a ConServe (MA)

I entered the Loan Rehabilitation program with Conserve back in XX/XX/2021 and have been having a very difficult time with the XXXX XXXX XXXX XXXX XXXX XXXX in getting my credit updated. I was promised after going through the Loan Rehabilitation program ( which I successfully have ) that they would be updating my credit, but they haven't done so. I've tried to contact XXXX XXXX XXXX XXXX XXXX XXXX and they are very difficult to get a hold of even after scheduling a phone call with them. I've had a few calls with them and they send me back to Conserve saying it's on them, and then Conserve says it's up to the XXXX XXXX XXXX XXXX XXXX XXXX to update the credit as the loan is back in their hands. I want my Credit updated as they said they would as I've done my part and know they aren't standing their end of the equation of updating my credit.
Consumer complaint received 2021-10-04
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. (MO)

Experian credit agency lied in their last reply to me. In the attached document they reported that, " The company that reported the information has certififed to Experian that thei information is accurate. '' As I stated in my previous complaint XXXX I contacted them requesting the method of verification used that shows the information they are reporting in a bankruptcy on my credit file is accurate. However they only replied saying it was verified and did not list the name of the company. I checked their website and their website states that they verify bankruptcies using XXXX XXXX. In the letter attached XXXX XXXX states that the bankruptcy file they were reporting was deleted from their records on XX/XX/21, but Experian replied to my complaint with you on XX/XX/21 stating it was verified as accurate, and also replied to me on XX/XX/21 on their website as well stating that it was verified as accurate. Either Experian made an error when they issued their reply to my complaint, or someone is purposely not doing thier job.
Consumer complaint received 2021-10-03
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: ALCHRO INC. (FL)

Consumer paid the account in full and was given a deletion to pay letter from First Federal Credit & Collection. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY!

Attached below is the letter the consumer received from First Federal Credit & Collection.