davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XX/XX/XXXXMIDLAND CRED XX/XX/22 XX/XX/XXXX. We have disputed this account.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (MI)

My card has been breached, and my balance has been wiped out by a identity thief they froze my account so i can not reach the funds they replaced after i contacted them for two months i have not had access to my money, now my bills are all past due, they sent my benefits to another address and phone number without my consent.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bay Area Receivables, Inc (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Consistently, I've made sure that payments on this account are always timely, preventing any overdue status. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Updated XX/XX/XXXX >Sold ; was Charged-off< Date Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act the XXXX XXXX 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 2022-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Dear Sir/Madame, At XXXX of XXXX I send the payment in XXXX dollars from my account in XXXX bank XXXX XXXX ) to XXXX as a payment by contract ( byuing apartment in XXXX, XXXX ) XXXX 
Amount : {$70000.00} XXXX XXXX  XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
I tried to returned the payment in XXXX twice. 
XXXX bank provided me information that my money were frozen at the account of XXXX bank in Citi. 
At XXXX of XXXX Citi answered in swift that " your response has cleared the sanctions issue and the payment has been cancelled per remitter request as of XX/XX/2022 '' But I have not get my money back yet. 
XXXX bank has not give me any instructions how I can return my money. 
Please, let me know how I can get back my money. 
Thanks in advance. 
Best regards. 
XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2022-11-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TX)

Ive had over XXXX loans with excellent pay history then COVID happened. All I needed was a little assistance to avoid tearing up my credit while getting back on track. 
Please refer to the previous Complaint numbers : XXXX and XXXX with CFPB to help in the resolution of the issue. As I stated on Complaint # : XXXX, their request for more time to resolve was delay tactic to add a derogatory item on my credit. I received notification to today of XXXX different items marked with a derogatory items of 30 days past due. They added the 30 days past due because requested the additional payment be returned. However, I made the payment before the 30 days and have since requested assistance again without a response. All my other creditors, made arrangement so I would get any past due payments. There arent any of my Affirm with purchase or remaining amounts of {$300.00} or {$440.00} and the derogatory items do not show Loan number. 

On XX/XX/2022 and again on XX/XX/2022, Ive tried to get assistance because of Covid twice with CoVid related issues. There were XXXX different managers that sent the form to me to process for assistance but it was intentionally blocked to complete. 
On XX/XX/2022, I spoke to XXXX XXXX Supervisor over an hour in an attempt to resolve the issue. I am not trying not to make payments but asking for assistance to stay in good standing with Affirm and keep my credit report free of derogatory items. stating she could not see if Affirm reported my accounts to XXXX. She very frustrated when I questioned the ability to see what the previous representative told me. Also, she said Im putting every we both said in the notes. Affirm tells me one thing and tell CFPB something entirely different so I hav3 to record the conversation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. 

ACCOUNT NAME - XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXXXXXX / ACCOUNT # XXXX XXXX5 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers 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 's 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 accounts IMMEDIATELY!! 

I XXXX XXXX DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

I had a hacking incident on XX/XX/22, in which my personal checking ( through XXXX ), my XXXX, and Google Pay accounts were affected. My bank/XXXX and XXXX returned the stolen funds to me fairly quickly. I did not actually lose any money through Google Pay, the hackers used my Google Pay account to move their money through to other people, like a conduit. But in the eyes of Google, the money went though my account -- so I owe it. 
There are two issues here. One is the overwhelming challenge it has been ( 6 weeks and counting, as of today ) to get Google to fairly and transparently review my case, with all of the proof I provided. The have denied the case repeatedly, although never letting me speak to anyone of authority, everything has behind the scenes in the " escalation dept '', and only 200 characters of information can be provided on your own behalf in writing. That's it. 
Second, and the main reason for this contact with you, is that I came to a point where I realized, I must just pay this amount. Although it makes me so angry -- that the hackers are winning -- but this issue is taking over my life -- AND I am worried about my credit. 
So I tell Google, fine, I will pay. But now, I can not -- because their system is not letting me! It has been 2 weeks of me trying to GIVE THEM this {$1600.00}, and their systems are not accepting it. I have called and emailed, and they are no help. They ( different people each time ) give me the same initial instructions, like a hamster wheel. 
So now, I am concerned that this will somehow go to collections, even while I am trying to pay this AWFUL money. 
During this whole process, they have locked my account, and all of my apps. I have a small business and a google XX/XX/XXXX so the only way I can have and use apps in my phone is through the google XXXX and google pay. But with the account being locked, it has affected my business, because my phone & business apps are affected. I am worried that I will have to change from an android platform over to XXXX, because XXXX controls everything in the android world. I feel very lost and vulnerable, all because I was hacked, and I am trying to do the right thing. I am small -- they are HUGE. I feel that XXXX is doing nothing to help, even to help me make this payment. And if it hits my credit I will be even more devastated. 

Can you help??
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires 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
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

capital one XXXX XXXX  XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (FL)

N Accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, XXXX, has Violated my rights. 

XXXX5 U.S.C 1680 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 without my written Instructions.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've received multiple calls from a slue of different numbers and have already asked this company to cease and desist all contact with me. They are trying to collect an alleged debt that is already past the statute of limitations and doesn't even show up on my credit report. I've already been in contact with the supposed original creditor, XXXX XXXX, regarding this alleged debt and they have no record of it on file. I have no intent to pay this alleged debt and am in contact with an attorney to address this matter further.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

On XXXX XXXX and XXXX of 2019, we mailed letters to Select Portfolio Servicing Inc for account information. SPS has sent response letters each time without providing the account information requested. SPS has offered a loan modification to reset our mortgage. We are delinquent due to medical and employment. Before signing a new modification that does not include previous equity we need account reconciliation on past payments that span our current loan. However, SPS will not provide the account information instead it repeatedly sends the new loan modification in multiple copies and refers us to their website. We are not savvy with compiling the information we request and demand that SPS provides us the information we seek to make an informed decision. It is our position that SPS has unjustly enriched itself based on our current loan. Therefore, SPS refuses to send us the account information. 

We seek CFPB to facilitate our consumer rights to obtain account information from SPS. 
SPS must send the following : - copies of mortgage loan origination documents with terms - all loan modification documents signed and presented -notification documents of previous loan holders and loan transfer documents -Mortgage itemization of : -- # of payments made on the loan from origination to Present -- total # of payments and figures ( $ ) for mort. loan from origination to Present for : -- -Principal -- -Interest ( bearing / non bearing ) -- -Late fees -- -escrow -- -how much of principal is deferred payment
Consumer complaint received 2022-12-22
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. (GA)

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

XXXX XXXX XXXX : Account # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Fst XXXX : # XXXX XXXX XXXX Bank XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.