davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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. (CA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX Experian XXXX XXXX Jewelry/Cameras XX/XX/XXXX XXXX  XXXX/XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX/XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards 1XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX Wireless Telephone Service Providers XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian XXXX  XXXX  Bank Credit Cards XX/XX/XXXX Experian I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-30
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MD)

I was contacted by Credit Collections Services on XX/XX/19 in reference to an attempt to collect a debt owed to XXXX XXXX in the amount of XXXX. In response to this letter I set up a payment plan breaking the above amount in to three payments to be paid via check with the first payment to received by XX/XX/19. I received an official letter from this company confirming the agreed payment plan in the mail dated for XX/XX/19. I mailed a check to credit collections solutions via priority mail on XX/XX/19 made out to XXXX XXXX, which is 9 days prior to the due date. I received a letter from credit collections services on XX/XX/19 stating that they have not received a payment as of XX/XX/19, and that they are canceling my payment plan. However in the same letter received on XX/XX/19 it clearly shows that the debt owed has reduced from XXXX to XXXX, which clearly proves that they did receive a payment. There would be no reason for me to make another payment until XX/XX/19 based on the payment agreement made with Credit Collection Services. Upon talking to one of their representatives on XX/XX/19, she insinuated that this is the companies standard practice, to send letters out to people stating that payment arrangements are being canceled even though they are actually adhering to the agreed payment plan. This person I spoke to on the phone was able to verify that they received a payment so there was no reason for this letter. Last but definitely not least, this company reported this false information on my credit report stating that they have not received a payment for XXXX when in fact per our payment agreement a payment would not be due until XX/XX/19. I find this very unprofessional and a form of retaliation.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Credence Funding Corporation (FL)

XXXX XXXX CEO OF CREDENCE FUNDING ... CONFIRMED THAT XXXX XXXX CHANGED THE ESCROW AND PAYMENT AMOUNTS AND DECEIVED THE EDLERLY COUPLE IN FLORIDA***THIS WEEK ... DUE TO THE ACTIONS OF THE PARTIES INVOLVED ... WE ADD LYING TO THE CFPB ... MISLEADING THE U.S. GOV XXXX CONSPIRING TO DEFRAUD*** FOR SOME REASON XXXX XXXX AND CREDENCE FUNDING CORP THINKS IT CAN ISSUE FRAUDULENT LOANS AND THEN SIMPLY HIDE FROM THE CONSUMER AND THE CONSEQUENCES ... *** XXXX XXXX IS THE PRIMARY CRIMINAL HERE BUT THEY GET AN SSIST IN THE CONSPIRACY TO DEFRAUD FROM XXXX XXXX AND CREDENCE FUNDING CORP*** WE HAVE REQUESTED CORRECT LOAN ORIGINATION DOCS ... THEY DO NOT EXIST*** XXXX XXXX AND CREDENCE FUNDING DECIEVED AN ELDERLY COUPLE AND THEY NEED TO BE PROSECUTED*** ****PLEASE NOTE THAT XXXX XXXX   ANSWERED THESE COMPLAINTS PRIOR AND LIED TO BOTH THE CONSUMER AND CFPB**** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2023-05-11
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)

Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, XXXX, and Equifax. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AL)

We have a mortgage with what started out to be XXXX in XX/XX/XXXX. Since that time that company has changed their name at least 10 times. They are now DBA as Ocwen. When reporting to the credit bureau it shows up as XXXX XXXX and Ocwen. They were once known as XXXX which show in some areas on the credit report it states the account closed. My mortgage is paid up to date I have a receipt to substantiate my claim yet Ocwen has not reported our mortgage paid since XX/XX/XXXX on some and XX/XX/XXXX on others. I need my credit report corrected immediately. I am tired of this company and a few others reporting in accurate information preventing me from living a better lifestyle I am quite capable of. I have been denied credit due to the inaccurate information the mortgage company is reporting. We pay our bills on time but it appears that the more we pay our bills and keep them up to date we are rewarded wit a lowering of in our credit score. A DROP IN OUR CREDIT SCORE!!! THERE ARE SEVERAL ITEMS THAT HAVE BEEN DISPUTED THAT THE over and CREDIT BUREAUS REFUSES TO REMOVE THEM. It also appears that if you dispute an item that also goes against you. I am tired of over many years I have been held down and held back because of the unfair practices of the credit bureaus. The reports from the Credit Bureau has ruined our credit life and forced us to have to struggle with extremely high interest rate and been totally denied more opportunities than one should have to endure. 
I need my cred report updated as well as my credit score.. Please tell me how a score can be dropped 40-45 points within a few weeks for paying off a credit card and being responsible citizens
Consumer complaint received 2023-05-11
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)

15 USC 1601 1681b 6802 Consumer privacy laws state confidential information such as transactions, history, utilization and statements are excluded from Consumer Reports.

Please Permanently delete US DEPARTMENT of ED Accounts # XXXX & XXXX from my TransUnion Consumer Files
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 an 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 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

This is about the Chase company. I have two credit cards with Chase. Both of them, I have a cash advance. I want to clarify if theres an exception on Credit card act of 2009 that with the highest interest the payment should go first with the highest interest that is to my cash advance. Both of my cash advances Balance Subject to Interest Rate. is increasing the amount. One of the card {$180.00} last XX/XX/2019 statement now {$190.00}. The other card {$270.00} XX/XX/2019 statement now up to XXXX which is subject to variable higher interest than regular purchase. Per chase customer service, they can not manually control it since Im just paying minimum.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX XXXX, and I am submitting a complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureau has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Around XX/XX/2019 give or taake a few days I went to Conns home plus in XXXX XXXX Texas which is identified as Conns store # XXXX I purchase a XXXX OLED Tv and put it on a Conns loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed Conns customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from Conns. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help
Consumer complaint received 2023-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed Transunion on XX/XX/2019 to inquire them to do a debt validation but unfortunately never received any documentation back. I had pulled my report and tried calling the two cards " XXXX XXXX XXXX '' on XX/XX/2019 and customer service stated they had no recollection of my account and could not find any further info and unfortunately they could not delete something they could not find. It has been years I am trying to by a home and I want a resolution to this. Please assist thanks.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, Equifax, and XXXX are violating my rights and breaking federal law!
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (TX)

I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months XX/XX/XXXX to XX/XX/2019 stated that i needed to pay the dollar amount. 
A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke with ARS - XXXX XXXX who stated that I was responsible for a XXXX $ and XXXX . i was willing to set a payment plan. Though I explained that i was not responsible for the debt because i never finished the course and i made the payment twice when i was still taking the course. 
ARS XXXX XXXX stated that i needed to set up a payment plan. In the process of cleaning my credit, i felt obligated to set it up. Then i had family obligations which affected my ability to follow through with payments. I contacted the company and asked for an extension and XXXX XXXX refused. I should not pay for a full amount that i did not use. That is not ok. 
Today on XX/XX/2019. Ability Recovery rep XXXX XXXX contacted me and stated that i was a liar and she is seeing that i am challenging the items. I do not think that she has the right to contact me and use such obscene language towards me. 
Whether i am challenging the account or not, she should not determine my actions towards the false claim that is hurting my credit unnecessarily.
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

On XX/XX/2019 Diversified Consultants reported falsely on my credit reports i owe them a debt of {$1200.00}, i asked for written prof with my signiture on it that i entered into a contract with them for any services, they may have provided to me it's been more than 60 days and they havent provided any such documents.
Consumer complaint received 2019-01-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (NV)

I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.