davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Received a mail from Debt Collector ( Portfolio Recovery Associates, LLC ) stating I owe a debt of {$370.00}. I do not own this debt. Requested that debt collector provided signed agreement that I owed and agreed to pay this debt. Debt collector has refuses to provide signed agreement.
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Inc. (CA)

On XXXX/XXXX/2016 send a dispute to the Credit Reporting Agencies indicating that the account is not accurately reporting. 

Subsequently, on XXXX/XXXX/16 the Credit Reporting Agencies indicated that the collection agency verified to the credit reporting agency that the account was being reported accurately. 

On XXXX/XXXX/16 I faxed a letter to the collection agency to the attention of XXXX XXXX. The letter stated that i was not sure how they were able to verify accurate reporting and asked if they did in fact verify the reporting or if the credit reporting agency was at fault. 

On XXXX/XXXX/2016 I received a notice from the collection agency reiterating what was already reporting. HOWEVER, they did not answer my inquiry. I requested to know if they did in fact verify that the account was reporting accurately between XXXX/XXXX/16 and XXXX/XXXX/16. I can only assume that no validation of the debt exists. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Further, under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2020 I received a XXXX device and while trying to set it up I was told to call this number and they charged me XXXX to register the XXXX. Then I contacted XXXX because they seemed very suspicious and I was told there is never to be a fee to register my XXXX and this was a scam. I have disputed the charge with my bank and I want to make 100 % sure that my bank refunds my account.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Garcadia Financial LLC (UT)

Foursight capital - XXXX - They recently did a new update XX/XX/XXXX to reflect my account being closed, which this significantly dropped my credit scores. This account was already paid and CLOSED XX/XX/XXXX ... Why they did a new update XX/XX/XXXX like it was a recently closed account is beyond me. But it has affected my financing now. 
Closing a good account is the most damaging thing you can do! NOw I am going to be homeless due to Covid and you are the reason for my scores dropping. 
I need you to put the dates back to XX/XX/XXXX and fix the account or delete it from my credit because you are absolutely reporting accuratley!
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I went to XXXX XXXX to pay my credit card bill. The cashier charged me {$250.00} in error as I only wanted to pay {$200.00}. She corrected her mistake and charged me {$200.00}. On my bank statement on XX/XX/23 I received charges for {$250.00} and {$200.00} and then received a credit on XX/XX/23 for {$250.00} error which makes sense. The {$200.00} payment made at the store was never credited to my credit card. I have called Comenity Bank many times. In XXXX, they investigated and sent me a letter that I will need to resolve with the store. I went to the store and was given a business card with a customer service number. I called and was connected with Comenity Bank again. I opened a complaint at XXXX XXXX who said it will take XXXX weeks to investigate. General Support -Claims [ Incident : XXXX ]. I have been charged late fees, interest and my credit score has been affected not to mention all the time and frustration. I was told today they can not reverse late fees without a payment so they want me to pay again when I already paid. It appears there is a loss prevention problem at XXXX XXXX and noone is willing to help. I highly suggest no one make payments at the store. I need this issue resolved and am hoping for help.
Consumer complaint received 2020-06-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX ALERT XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched XXXX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. XXXX IS NOT WCAG 2.1 ADA COMPLIANT. I have XXXX XXXX XXXX. This site would not set proper dates. I was una ble to attatch documents or record data
. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY XXXX   UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *USAA NO  XXXX. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR XXXX.CALLED ON PHONE ALSO TO NO AVAIL.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

When I received my XXXX 1098 tax form from Flagstar Bank I observed 7 late fees of XXXX on the statement and called in XXXX and spoke with XXXX who opened a case. Today I called to check status and see if a refund could be issued as I went with another company with lower interest rates. I made my payments on time using bi monthly payments, however ; a previous payment was misapplied in which a full payment was made instead of going into a pending status so subsequent payments were then behind. In trying to resolve the late fees I was provided the accurate dates from XXXX at Flagstart Bank stating that the fees started on XX/XX/XXXX to XX/XX/XXXX in which a total of XXXX is the overage I was assessed due to a computer error from Flagstar Bank. Not sure why the late fees stopped as I made NO changes to how my payments were made from my bank to Flagstar Bank.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NJ)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-04-13
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)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX credit reporting agency on XX/XX/2023 because I had disputed some items on my report and the dispute came as accurate they reported it back as the creditors reported as being accurate so when I try to dispute the items again they stated that I can't dispute them again without documentation so I ask did the creditors provide documentation to prove the debt was accurate I was told from an XXXX representative that a creditor ( DOES NOT ). have to provide documentation that the only thing they need to say that it's accurate so my question to them was me as a consumer needs to provide documentation as to why the debt collection is not valid but the creditor does not need to provide documentation the representative reply with yes. I also informed the representative that I was recording the call as well she said OK and I understand I asked her several times was the debt validated she said no because they do not need to provide documentation as a creditor. I asked for the debt to be removed since it was a total of 3 collections she said I need to call those creditors and ask them to have it removed even though they never proved it as being accurate.
Consumer complaint received 2020-04-14
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. (TX)

XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-13
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. (CA)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation
Consumer complaint received 2023-07-13
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. (CA)

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX  month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Consumer complaint received 2020-06-13
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. (NJ)

THIS IS IN RESPONSE TO EQUIFAX RESPONSE FOR COMPLAINT # XXXX. MY COMPLAINT WAS CLEAR DOCUMENTS I SUBMITTED WERE CLEAR. AND DELETION OF OF ACCOUNT THAT IS REPORTING 3 DIFFERENT REPORTINGS TO 3 DIFFERENT BUREAU. THAT IS CONSIDERED INACCURATE AND FALSE REPORTING. SO AGAIN MY COMPLAINT IS YOU HAVE NOT DONE A PROPER INVESTIGATION BECAUSE THE FACTS BEAR OUT THAT THE ACCOUNT IS BEING REPORTED DIFFERENTLY BY THE FURNISHER 3 DIFFERENT WAYS. IT'S SIMPLE AND CLEAR THAT IT CAN NOT BE ACCURATE THEREFORE IT MUST BE DELETED AND THAT WAS NOT DONE. SO MY COMPLAINTS READS AGAIN AS FOLLOWS. On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-XXXX, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TX)

I asked Equifax to remove inquires off my account that I did not recognize. Their response was that I had to submit supporting documents to remove the inquires. I stated to the Equifax representative that I would have not supporting documents since the inquires were not authorized by me. Unfortunately, they kept saying I need supporting documents. 
The Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Consumer complaint received 2020-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

Our house of 15 years was sold from under us! Our second mortgage, Statebridge, said that they'd work with us to prevent foreclosure ; jjust needed to submit their Loss Mitigation. Which we did! Regardless of their additional requests for documents, we did it! We have XXXX kids on XXXX different schools, and while their father, my husband, was recovering from a XXXX, and my eyes were worsening to XXXX   XXXX  ( XXXX XXXX ), we did it!! And I s/b finally receiving XXXX ( I have a phone hearing with XXXX XXXX next month on XX/XX/20 ). It is my understanding that Statebridge bought the first mortgage from XXXX XXXX and maybe it's because they wanted to foreclose on us.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

I received an email from Professional Bureau of Maryland Inc. stating that I owed XXXX to a gym call XXXX  XXXX  XXXX XXXX and offered a settlement of 50 % if I pay by XX/XX/27. I am not a member of that gym and have not been for over two years. I have attempted to call the gym and this agency and have been placed on hold for a half hour then a request for a message comes up. The gym in question requires that one pays monthly XXXX dollars for attendance and if the member wishes to quit, he or she simply stops showing up. There was no contract other than a liability waiver. This is a scam and they apparently think I would pay for fear of damaged credit and of the hassle of disputing it.
Consumer complaint received 2020-06-13
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. (CA)

I have reviewed my experian credit bureau report on XX/XX/XXXX. The report shows a late payment was made on XXXX XXXX XXXX XXXX signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and  ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from XXXX XXXX XXXX. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Experian supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.