davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. 
MY NAME/ RECORDS should NOT be involved in this debt, regardless. 
The Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it.

Even worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Account is one of these RETALIATORY DUPLICATIONS.

These Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes .

Therefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.

I reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well.

BACKGROUND : I suffered a severe XXXX with permanently disabling injuries ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off.

The Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.

All the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed 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. [ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXXXXXX -XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that TRANSUNION Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EQUIFAX Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Consumer complaint received 2019-11-22
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. (CO)

I'm submitting another complant because my disputes aren't being verified and researched. I've submited several dispute each time with proof and more and more proof each time. Each time they respond back with a default response stating a verification back in XX/XX/XXXX of this year. I have since then provided more information and screenshots of my credit report. They refuse to look into the dispute and just immediately close it stating they already researched the matter. I do not want my results online. I refuse online dispute results. please submit all results in writing. 

I'm writing in regards to several XXXX  XXXX accounts listed below : XXXX XXXX XXXX XXXX First and foremost I would like for them to verify each account. They keep saying things are verified without showing any proof of verification. I'm requesting to see the application or the signed contract of each account listed above, because they are not reporting correctly on my report and until I can see this information nothing has been verified. I'm not requesting a blanket statement of " Verifed each account on XX/XX/XXXX '' I would also like to know who performed this verification on XX/XX/XXXX. What kis there employee number? Who performed the verification at XXXX  XXXX? What is there employee number? How was this information verified? From the looks of it, it appears that it was verified by copying and pasting a default response. What was your verification method? KI would like to see your method of verification and what was sent to XXXX  XXXX to verify this information. 

I do not want my results online. I refuse online dispute results. Please submit all results in writing. 

I'm attaching the following documents : -my previous CFPB complaints with responses from the credit bureau . 
-- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -Screenshots of my credit report showing these accounts only exist in Experian credit report. 
-The XX/XX/XXXX investigation -- Report Number - XXXX-XXXX-XXXX  I'm requesting from the Credit Bureau -Verification method - How was the accounts listed above verified? 
-Signed application or contract of the individual accounts above -Who verified these accounts from both the credit bureau and XXXX XXXX. Employee numbers? 

I do not want my results online. I refuse online dispute results. Please submit all requested information in writing.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, my issue is related to Experian credit bureau and Experian online website serviced at : usa.experian.com I have access to their free credit report and have had this for quite some time, over 3 years easily. Access to their website and my report has never been an issue and I have never paid for any access to it. I recently ( XX/XX/2022 ) found that Experian had been deducting a payment of {$9.00} from a card they have on their file and had done this until I stopped it this month. I asked how this was even possible, since I did not ask for a paid subscription at any time. I could not be given an answer. I was told I could dispute the charge with the bank, which was paying the bill, but that makes no sense. The charge was initiated by Experian and it was Experian that enrolled me in their service. I didn't ask for this at all, so my dispute is not with the bank but with Experian. It sounded like a buck passing so I decided to get Infront of the issue and contact the CFPB because I'd like to get my money back. As I have stated prior, I have used Experian for many years for free, and did not need any paid access to anything, financial or otherwise and so it is my belief that I was fraudulently enrolled in a service and billed sight unseen. I do not think this is correct for a company to do. I am asking for assistance based on this issue.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )
Consumer complaint received 2021-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently applied for a Capital One XXXX  card on XX/XX/XXXX. Upon approval, I discovered that someone else had already made a Capital One credit card on XXXX XXXX, XXXX using my full name and created a fake username and used their phone number instead. I do not have any knowledge of this person or account but I would like to close this account entirely, correct my credit score, and create a new account using my real information. Whoever opened the account has not been racking up debt, but I believe this is misleading credit bureaus that inquire about my history.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
first savings # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 


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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. DELETE the account listed : ( XXXX XXXXXXXX FIN XXXX )
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CMG MORTGAGE, INC (MO)

We closed our loan XXXX XXXX 2016. When I finally got the paperwork about the loan servicer I attempted to go online and set up an automated payment. The website said my SS # / Loan # did not match. I called up and was told the " correct '' loan # ( different than on the paperwork mailed to me ). I then went in again and got the same error with the new loan #. The customer service # XXXX was automated. When you selected the option to speak with a representative it would redirect you to a disconnected #. If I had not actually applied and closed on a loan I would think this was fraud.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (PA)

I was entered into a consumer transaction with American Express where my social security number was used to receive credit. I the consumer received this credit/credit card and was given the right to used this card with no limit. I have been using this card for some time now for approximately 3-4 years. With my posted charges reaching up to {$19000.00} at some points. I have never been negligent in paying my bill. I reached out to American Express to increase my card limit because numerous times they would decline charges I would make because they said it was past my limit. even though they marketed this card as a no limit card. after reteaching out to American Express to increase the limit or for them to start declining the card they stated that I need to submit bank statements. which I did. after submitting bank statements I received an adverse action letter from American Express saying they took action on my account. and they were changing my account from its original standing to a preset limit of XXXX this is in direct violation of 15 U.S.C 1691 ( D ) ( 6 ) & 12 CFR 202.9 ( B ) ( 1 ) ( 2 )
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing you this letter to dispute XXXX late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX about being qualified for a loan modification. I declined the loan modification, only to have XXXX hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX concerning my loan modification that I never signed up for. 

I spoke with a XXXX rep XXXX XXXX, XX/XX/XXXX, and both reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC (TN)

Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to XXXX stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I tried to resolve the issue with payments online message center to resolve the issue and I 'm not making any progress and I tried to dispute a XXXX day late payment XXXX even though all my payments have been received. I was XXXX days past the due date in XXXX and XXXX and they reported me 30 days late. I believe a double payment was applied towards the principal. I also am being charged a higher interest rate of 27.900 % for not receiving a minimum payment 60 days from the due date of XXXX/XXXX/2015. A payment was due on XXXX and paid on XXXX however ; the statement from XXXX XXXX to XXXX XXXX, 2015 the payment was n't applied- until the next statement- which they state is XXXX days from the due date. Which is misleading and confusing. That is not 60 days- and inaccurate. The statements are made to be confusing to the consumer as when a payment is accurately considered 30 days late. Is it considered 30 days late from the month its paid in or is it late from the payment date on the XXXX th of each month? Please explain. 
I sent them this letter on XXXX XXXX, 2015 : In reference : XXXX day late payment dispute for XXXX 2015-XX/XX/XXXX 2015It has come to my attention that after looking at my payment history there may have been an error on your part in the application of my payments. At one point it appears that you may have not prepaid my account, as I specifically requested and that you have applied a double payment towards the principal, again contrary to my expressed will. Please provide a detailed payment history including dates, application to principal, interest and late fees immediately upon receipt of this request. I will compare the dates and the amounts to my records to determine where this discrepancy aroused. At this point I believe this to be just a bonafide error on your part however ; as it has resulted in a XXXX day late to my credit profile it is a serious matter. Please provide this documentation immediately that I may determine where the application of a double payment to my principal balance as opposed to the prepayment of the next payment arose and thereby your bonafide error was manifested. Again at this point I will review this matter with my Attorney with the understanding that should this be cleared up in an expeditious fashion, there will be no fair credit reporting act violation and no fair debt collection practices violation. 
Thank You for your immediate attention in this matter,
Consumer complaint received 2021-11-19
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the accounts listed below still remain on my credit report inviolation of XXXX XXXX. Equifax has failed to comply with Fair Credit Reporting Act, XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax investigated properly before posting derogatory information. Please delete the following accounts : ( XXXX, XXXX XXXX, XXXX OF XXXX XXXX )