davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-18
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-11-23
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: ENCORE CAPITAL GROUP INC. (NY)

I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (NJ)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal Information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal Information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal Information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-23
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: Atlanticus Services Corporation (NY)

I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried numerous times and even mailed certified copies to Experian since dating back XX/XX/2021 up until now XX/XX/2021. The certified copies cost! XXXX each, not including gas money to get to and from there. I will be notifying Congress and the Attorney General Office about this matter also Experian Credit reporting agency continued to give out incomplete or inaccurate information after I requested corrections considering filing a lawsuit. I am handicapped not looking for a pity party, but I am tired of being treated and not being heard Because Experian is being biased toward me when I have submitted substantial evidence to this bureau either they are procrastinating or being slothful toward me! I am sick and tired of it. I can not sleep ; This matter has caused me XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after I discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees.
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc. (GA)

I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a baby and I underwent hardship in my family life. Please help!
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PNC Bank N.A. (AR)

wE GOT A AUTO LOAN FROM BBVA USA TO WHOM BREACH CONTRACT AND DEMANDED DEBT CANCELLATION 1099-C FROM THEM. DURNING THIS LEGAL FIASCO! PNC BANK ACQUIRED THE LOAN. WE TOLD THEM TO CANCEL LOAN CONTRACT OR FACE CLASS ACTION LITIGATION. AS OF TODAY BBVA USA IGNORED THE STATE OF AL COMPLIANT AND PROCEED WITH BRAKING THE XXXX XXXX XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. AS WELL AS COLLUTED WITH XXXX XXXX VIOLATING THE FCRA 15 U.S.C. SECTION 1681g by credit file suppression.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (NJ)

Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described XXXX15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.
Consumer complaint received 2021-11-23
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)

On XX/XX/2021 I sent a letter to Equifax and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).
Consumer complaint received 2021-11-23
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 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 Equifax Credit Bureau and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and I have not received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX {$0.00} XXXX XXXX {$540.00} XXXX XXXX {$870.00}
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts. 

I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts. 

They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice. 

I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation. 

I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

XX/XX/XXXX our mortgage was purchased by freedom mortgage. On XX/XX/XXXX they claim to have issued a escrow analysis. We never received it. With no other communication we were unaware our mortgage payment was going up. I have our payments set to autopay from our bank account. I called freedom mortgage on XX/XX/XXXX when I received a letter stating that they did not receive my my payment. After some digging it was discovered that they increased our monthly payment due to a shortage in the escrow. The shortage in the escrow was due to freedom mortgage payment my property taxes as well as property taxes for another parcel not owned by us. They did receive my payment for XXXX installment but it was short the adjusted amount we were unaware of. Because it was not a full payment, they placed the payment in an unapplied funds account. They stated that they did in fact perform the error as it relates to my escrow payment for taxes. However, until they received the money back from XXXX XXXX I needed to pay the inflated monthly payment and I would eventually get my money back. This is unacceptable for the customer to have to pay an incorrect inflated payment due to an error on behalf of the mortgage company. Not only that, but the late payment notice was issued XX/XX/XXXX ( XXXX days before the grace period ends ) and stated I needed to pay {$1900.00} which is what I had already paid. In addition their XXXX states my minimum payment due is {$1900.00} as well. The representatives I spoke with regarding this both said the correspondence is incorrect and the XXXX is also incorrect. How can anyone trust a company that can not communicate accurately via writing and their automated ivr the correct information? 
As of today XX/XX/XXXX ; freedom mortgage still refuses to apply my {$1900.00} to my mortgage loan while they sort out the escrow error on their end. They have threatened to charge late fees and report my late payment to the credit bureau. Im scheduled to make my next loan payment XX/XX/XXXX and they are stating it must be the new payment amount of {$2000.00} plus any delinquency. Again, why is the customer having to foot the bill for the mortgage companys mistake? An escrow issue should not impact my principle and interest.
Consumer complaint received 2018-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc (TX)

The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit
Consumer complaint received 2021-11-23
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: DISCOVER BANK (NY)

I contacted Discover card on XX/XX/2021 in reference to a pending charge in the amount of {$2500.00} via the discover message center to let them know i wanted to start a dispute. I was told i would receive conformation either by email or mail. I never got either and i followed up myself on XX/XX/2021 to see if the dispute was started and was told it was being followed up on. it was not till XX/XX/2021 did i receive any correspondence via email stating the dispute was in my favor ( nothing had been requested from me during he whole process ) I contacted Discover again to ask details re : the company in relation to the charge disputing the decision and once again that was the only way i got any information from Discover. Then i contacted Discover again on XX/XX/2021 because the {$2500.00} was just applied back to my account, no information, no correspondence so like before i had to reach out. At XXXX i was told there was no dispute on my account for the past XXXX months and then with some back and forth i was told that the dispute was resolved. I complained that no documents were requested from me and when i explained what i did have they told me the only documents that would be acceptable for me to submit would be proof the company in question agrees to issue a refund. I had to ask more than once for where i submit documents on my behalf and this only was provided after i requested a manager and it was XXXX days later on the XXXX XXXX XXXX. I faxed a letter with some documentation on XXXX XXXX XXXX. I received an email XX/XX/2021 letting me know my information was already considered or was insufficient and said i have another XXXX days to continue my dispute but that they already sent reporting to credit bureau 's. When checking my credit report on XX/XX/XXXX was already effected by Discovers actions and my rating dropped XXXX points. Now when reading the FCBA I was under the impression that while a dispute is ongoing it should not be reported to the credit bureau 's. Also my main issue is Discover in not allowing a proper dispute and is stating the only documents they want is for me to get the opposing company to agree to a refund which is NOT a dispute and not how disputes work when there is fraud involved.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

Today is XX/XX/XXXX and I am responding to communication from EOS CCA. Per response from this company, it was stated that this account was received on XX/XX/XXXX. XXXX well aware that I have a right to dispute any alleged debt that a collection agencies receives in 30 days with a notice of collection. So that means I should have received a letter from EOS CCA around XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. The address of this bill is an address that I have never lived at in my life.Lastly a bill, or statement is not validation. Anyone can furnish a document as such. Where is an original agreement with my wet signature with XXXX agreeing to open this account. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against EOS CCA Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (IL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Plus Inc (IL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my Experian and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.