davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (IN)

XXXX deleted 2 unverifiable and inaccurate accounts from my credit report and I sent Experian and XXXX proof that XXXX could not verify the account so XXXX deleted the accounts. I sent a copy of the deletion for the 2 accounts but Experian and XXXX ignored/neglected my letter and still claims to verify the accounts without the creditors actually verifying them.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc. (TX)

I been receiving threatening calls from this collector on an alleged debt that I have no knowledge of. My credit report doesnt reflect that I owe any debt. At XXXX XXXX, I received a call from an agent whom said I owed a debt. I asked what was the debt and he could not answer instead because I wouldnt give him my personal information to verify. He decided to call me a XXXX and a XXXX. I was in complete shock. Ive never witness such obscene language over a debt. He alas I impersonated a federal agent.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to Credit Bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 usc 1681. The personal account information 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 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( b ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of the 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 reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-01
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: CITIBANK, N.A. (PA)

i had contacted many times XXXX XXXXXXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago wirh no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry -Sears/cbna Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX 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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXXXXXX XXXX store credit cards for XXXX XXXX and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in XXXX until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now XXXX sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion shows 3 public records in my credit report which were updated by Transunion on/or around XX/XX/2020 in error. Transunion lists XXXX as the 3rd party data Furnisher used to report this information on my credit report. However, the 3 public records have been deleted from my consumer file with XXXX on XX/XX/2020 as a resolution after their reinvestigation of erroneous, inaccurate & unverifiable information ( See supporting documentation ). A previous complaint against XXXX is on file with the FTC, CFPB, & XXXX. XXXX  has already deleted these 3 public records in reference to the same resolution letter provided by XXXX ; XXXX  is pending.
Consumer complaint received 2018-10-01
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. (PA)

i had contacted many times XXXX  XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 -XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (MS)

I have been dealing with this since XXXX. XXXX XXXX XXXX adjusted the amount on my bill because they didnt realize they had my equipment once they took the equipment charge off that was {$160.00} I owed them {$170.00} which I paid and XXXX XXXX  XXXX said they would send the adjusted amount to Prince Parker and everything would show a XXXX balance well at XXXX XXXX  XXXX it shows I owe nothing and my account is closed they have also called Prince Parker told them I dont owe anything but the {$160.00} for Prince Parker is still showing I owe it I have been calling both places for the last month and I am trying to get all of this fixed.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020, I received a credit for a partially refunded transaction placed on XX/XX/2020. On XX/XX/2020, TD Bank charged me an overdraft charge of {$35.00}. Upon calling to dispute the transaction, the rep i spoke to stated the bank could not waive the fee as a 1 time courtesy, considering I am a new customer and the funds were immediately refunded prior to the fee being charged. When the transaction that overdrafted my account posted, I thought there were sufficient funds, considering the XXXX dollar refund that was credited to my account. I was unaware it would take several days to post. When asked to speak to a supervisor, the rep told me she was a supervisor and that she was taking calls due to high call volume. The rep at TD Customer Service would not escalate the call. It was disappointing to realize I was unable to escalate the call. Overall this was a frustrating customer service experience.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC. (FL)

They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and XXXX XXXX XXXX. We hardly finished overcome a bad hurricane. This is added stress
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This problem relates to Experian misreporting loan balances and active accounts related to student loans that have been fully paid off since XX/XX/XXXX. Experian is significantly overstating my debt level, which adversely affects my cost of borrowing. 

Last year while in graduate school, I took out two Federal student loans from the DOE : {$10000.00} ( disbursed XX/XX/XXXX ) and {$10000.00} ( disbursed XX/XX/XXXX ). XXXX was assigned to be the servicer, however since all federal student loan repayments were on pause at that time, I made no payments to any servicer until the freeze ended on XX/XX/XXXX, at which point I paid off the full balances and any accrued interest by XX/XX/XXXX ( {$16000.00} payment on XX/XX/XXXX, {$4200.00} payment on XX/XX/XXXX ). Neither the issuer or servicers dispute any of the above, the issue lies entirely with Experian. 

The root of the issue is that on XX/XX/XXXX, without my input or consent, my servicer was reassigned from XXXX to XXXX. Upon transferring the two loans out of XXXX, the account balances dropped to XXXX in XXXX and two new accounts were opened for me at XXXX, which took over feeding the latest balance and payment data to credit bureaus without issue. The problem is that- per XXXX- once they transfer student loan balances to another servicer, by law they are prevented from continuing to share data to the credit bureaus on the former accounts. 

All the other major credit bureaus must have systems in place to recognize a common situation like this ( XXXX and XXXX have had no problems ), however Experian continues to simply take the last reported balance from XXXX before the transfer ( XX/XX/XXXX ) and display it as an active debt, indefinitely, on all my credit reports. 

I have created nearly a dozen disputes with Experian on this issue. I've provided them with Account Statements, Verification Letters, and Payment Summaries furnished by XXXX to prove the loan balances were fully transferred out of their accounts at the dates mentioned, and that I have not had any debt associated with them for nearly 9 months now. Experian has rejected all my disputes without explanation or clear evidence that they even reviewed the documents or details of the situation. In lieu of litigation, I have no other recourse beyond the CFPB at this point.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (GA)

***NOT A DUPLICATE COMPLAINT*** SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately. 

LOAN DOCUMENTS ARE NOT A VALIDATION OF DEBT. SEND ME A WRITTEN PERMISSIBLE PURPOSE OF THE ALLEGED DEBT AS WELL AS THE AUDIT TRAIL. I AM THE ORIGINAL CREDITOR AND I DO NOT VALIDATE THIS DEBT. REMOVE THIS ALLEGED DEBT FROM MY CREDIT REPORT IMMEDIATELY.

Please also provide the 5 pieces of information for debt validation. Your company operates under the Fair Debt Collections Practice Act so not responding to the requirements below is a direct violation of the Fair Debt Collections Practice Act pursuant to Pursuant 15 U.S. Code 1692g - Validation of debts.

Pursuant 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

IF ALL FIVE REQUIREMENTS CAN NOT BE PROVIDED THE DEBT IS NOT VALIDATED AND MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-06-01
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. (NC)

Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!
Consumer complaint received 2019-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

This is the third complaint I have filed against One Main for the same issue. One Main continues to incorrectly report my account information.

On or about XX/XX/XXXX, I took out a loan in the amount of {$7500.00}. From XX/XX/XXXX until XX/XX/XXXX, I made regular, on time payments to One Main for the loan. On.XX/XX/XXXX, I filed for a chapter XXXX bankruptcy. At that time, the loan was included in the bankruptcy. On or about XX/XX/XXXX, I received a discharge, and this loan was included in that discharge.

One Main continues to report incorrect information regarding this loan. My first complaint with them, they continue to auto draft my account for a period of three months after the bankruptcy filing. After the complaint, they refunded the money erroneously deducted from my account, going back to XX/XX/XXXX. Then, they reported the account as charged off after the bankruptcy, and continued to report payment history. Finally, on XX/XX/XXXX, they corrected this erroneous information and agreed to report the account as follows : Balance : {$0.00} Last Payment Date : XX/XX/XXXX Payment History : Current Discharged Chapter XXXX Now, on XX/XX/XXXX, I discovered they are once again reporting this account incorrectly. Despite me making on time payments from XX/XX/XXXX until XX/XX/XXXX, they are once again reporting the account history incorrectly. They are reporting XX/XX/XXXX through XX/XX/XXXX as 'Failed to Pay '. This is not correct. I made on time payments during this period. They received {$300.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and {$240.00} on XX/XX/XXXX.

They can't seem to get this account reported correctly, and it is negatively affecting my creditworthiness and my ability to obtain employment in my career field. My bankruptcy was due to a medical issue, not irresponsible debt management. And prior to the bankruptcy, despite having debt, my bills were all paid on time. There were no late payments. The status of this account contradicts this.

Please see the attached exhibits : 1 ). Letter dated XX/XX/XXXX where One Main agreed to correct my credit bureau information.

2 ). Documentation provided to One Main on XX/XX/XXXX.

Note : You will see in this packet, they were reporting the account current for the XX/XX/XXXX through XX/XX/XXXX payments.

3 ). Previous complaint with the CFPB regarding the reporting of the account during the bankruptcy proceedings.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration (TX)

XXXX XXXX received a threatening phone message from XXXX XXXX claiming to be from XXXX XXXX stating that I had committed fraud and they were contacting me regarding a check. She mentioned my bank. ( I have the recorded message ) I researched company number and found XXXX and Weiss Arbitration listed. I also found complaints and scams identified with this company. 

XXXX XXXX received calls from XXXX friends and my brother stating they had received threatening call/message from XXXX XXXX at XXXX XXXX about a fraudulent check from me. She mentioned my bank on the messages to them and with XXXX person stated that that friend could be charged with fraud if she did n't make me contact them. ( I have XXXX recorded message ) XXXX XXXX, I called the number left by XXXX XXXX and stated that I was recording any communication and to call me back. 

XXXX XXXX around XXXX am, XXXX XXXX called and asked " How can I help you? ". I stated that she had requested I contact her and what was it regarding. She first stated it was for a check with my bank. Then she stated it was a creditor. I questioned dates and amounts. I did not identify with the debt and asked her to mail me statements of the debt. She emailed a statement to me but I have not received a physical statement or proof of the debt.