davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute Equifax XXXX XXXX   XXXX XXXX   XXXX Second Round Equifax XXXX XXXX   XXXX XXXX   XXXX
Consumer complaint received 2023-12-27
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. (TX)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (NV)

In or around the end of XXXX, XXXX I noticed an account being reported on 2 of my 3 credit reports. I had ran my reports in XXXX, XXXX and this was not showing on any of my credit reports, now all the sudden in XX/XX/XXXX it is showing and showing a date opened of XX/XX/XXXX in the amount of {$4000.00}. I do not recognize this debt, and I do not believe this is my debt. I disputed this with the credit reporting agencies involved and with this agency as well and the company states that they have verified the debt to be accurate and belonging to myself. I then contacted the company in writing via certified, return receipt, US Mail indicating that this is false reporting and I also demanded copies of the original documents with the original signatures to verify this debt belongs to me and gave the company 30 days from the date of the letter to provide such documents. The company has failed to provide these documents and as of XX/XX/XXXX, 31 days from the date of the letter, I have not received them. I also instructed the company reporting this that if documents were not received within the 30 day time frame then they must remove this item from my credit reports. As of today, they have not done so. If this company says they can validate this debt is mine, then why was it not being reported in XX/XX/XXXX? Also, what gives this company the right to just pick and choose whenever they want to do whatever they want with someone's credit? This company needs shut down!
Consumer complaint received 2020-10-04
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. (TX)

Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Consumer complaint received 2020-10-04
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: CBC Companies, Inc. (TX)

Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, Factual Data to pull a consumers credit report and has Factual Data company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires Factual Data to pull credit who does not have my permissible purpose?? Factual Data openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, Factual Data and owner, CBC Companies Inc, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc. (FL)

Although I do not owe this company and the debt is a result of identity theft, this company is reporting a debt that I do not owe. 

I've spoken to innovative on several occasions they insist on sending me to other companies. 

INNOVATIVE RECOVERY INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Hello CFPB. 

I have no earthly idea what happen here. I have been in the credit reporting system since 1994 with over 40+ trades paid like clockwork. Not 1x has my credit scores every drop below 700. I make over $ XXXX a year and pay off 100 % each and all the time. I do use the Macy 's card and within days pay it back. I use it for promotions they send me daily. I notice in XXXX my limit was {$14000.00} but in XXXX {$300.00}. WOW, Why is that. I have attached both the XXXX And XXXX Statement and the Credit Report supposedly they used. I did call Macy Rept. He had no clue why as well. He said he sees my acct as code premier rating, and maybe it was a system error. But he gave me a XXXX to call, but no answer. 

I have attached my report to show, I have bought 3 homes in the $ XXXX I have boight over 10 Auto loans from $ XXXX $ XXXX I have about $ XXXX in LOC and only owe about $ XXXX. 


I will report this issue to my local congress rept to forward my case for Unfair Law Lending against Macy XXXX.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I previously reported XXXX Commenity Bank to CFPB in XXXX regarding their Unfair Business Practices and am now being retaliated against as a XXXX XXXX American Female, as a prior debt owed to XXXX Comenity Bank was Settled in XXXX and have since made a payment to Settle the debt as was so stated by their Collection Agency XXXX XXXX via XXXX XXXX XXXX which was Paid and Settled on XX/XX/XXXX and was informed that our Credit Report would be Updated to reflect the account has been Settled and has still been illegally reported on all 3 of my Credit Reports in an effort to retaliate against XXXX XXXX-Americans and these inaccuracies should be removed from my 3 Credit Reports immediately, as it negatively impacting our family with obtaining credit and resources to help us navigate during this Global Economic Crisis with COVID-19. This is also another form of systemic racism and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in Slavery with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX Re : Convergent Account # : XXXX Client Account # XXXX Creditor : XXXX, XXXX XXXX XXXX XXXX XXXX is claiming I have a debt with XXXX. 
I have never had a XXXX account. 
It seems this is a scam to get senior citizens scared into paying " debts '' which never existed. 
I do not have any responsibility for the debt they are trying to collect.
Consumer complaint received 2023-12-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My current ( new ) mortgage company is NOT applying my payments correctly. I send them payments bi-monthly. {$400.00} & XXXX/month. 
They are not applying the payments to the PITI ( which it is supposed to be ) they are instead applying the " extra '' payment to principal which is messing up my payments. They are wrongly claiming we are past due and hitting us with erroneous late fees also.
Consumer complaint received 2020-09-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (TX)

Contacted First Associates on several occasions to settle amount. On XX/XX/XXXX reached an agreement with them to settle for {$1800.00}. Made arrangements to pay in 2 installments first one to be paid that same day for amount of {$930.00} which was paid and then the other half to be paid on XX/XX/XXXX. Called on XX/XX/XXXX to pay the other half and first person told me he couldnt find my account. After about 30 mins he said he found it but wanted to collect over XXXX  which was the balance according to him. I told him I had made settlement arrangements to pay only the {$1800.00} and he said that on his end there was never a settlement agreement reached and I told him I have an email which was sent to me on XX/XX/XXXX stating settlement was approved and he said it was never approved on their end and that he didnt know where I got the email from. He transferred me to a supervisor named XXXX and he wouldnt give me him last name and he also stated that I needed to pay over XXXX. I told him I had a letter that was sent over to me to sign about the settlement agreement and he stated that they never sent any letter or email to me approving the settlement amount and they had every right to collect the XXXX  balance. Stated the settlement was not approved and he didnt know where I got the letter from because it wasnt from them and since it wasnt in their system that I was going to have to pay all of it. I told him I had saved the email sent to me and he stated that email was not valid and I was still responsible for the amount owed. He said my 30 days to pay was up on XX/XX/XXXX and since that was on a Sunday and they were closed that any agreement would be nulled and voided since I was refusing to pay the balance on XX/XX/XXXX. He said since it wasnt in their system and he didnt know where it was sent from that in his eyes no settlement agreement was ever reached and approved even though the letter I had stated it was approved. I told him if it wasnt approved why didnt I get a letter stating that and he said they didnt have to send anything to me and that debt was still my responsibility.
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

On XX/XX/2020 I woke up to an alert on my credit report from a company titled National Credit Adjust. The debt collector has never sent anything by mail regarding this alleged debt nor have I have any contact with this debt collector. In additional to having no contact with the debt collector, the alleged debt does not belong to me and has been illegally inserted into my credit report obviously causing damage to my credit score and credit worthiness.
Consumer complaint received 2020-10-04
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: AMERICAN ADVISORS GROUP (TX)

Please Read. This is new information. 
AAG did not have permissible purpose to access my credit report. Even if AAG has permissible purpose, AAG did not have my authorization to pay another to access my credit report on their behalf. Why doesnt AAG pull credit reports themselves? 
AAG argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at AAG? HOWEVER, to make this worse for the consumer, AAG THEN hires another company, XXXX XXXX to pull a consumers credit report and has XXXX XXXX company attach their name as the one who pulled the credit report.??? So AAG argues they have permissible purpose but hires XXXX XXXX to pull credit who does not have my permissible purpose?? XXXX XXXX openly admits they pulled my credit for their client and refuses to give proof that AAG is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with AAG, XXXX XXXX and owner, XXXX XXXX XXXX, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (OH)

someone opened a fraud credit account with genesisfs in my name. there address XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX they told me to report it to you.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

My credit card was charged {$3000.00} for a downpayment on a Travel Trailer where the loan was not approved. I contacted Chase Bank  to dispute the charge on XX/XX/2020. The Vendor, XXXX XXXX   was able to secure a new loan, so I contacted Chase  to let them know the date I was supposed to pick it up and sign a new contract. They told me the original dispute could not be cancelled without an investigation and would stay open. The travel trailer was defective ( air conditioner didn't work, cabinets peeling, exterior  damage ), so we didn't sign a new contract on XX/XX/2020. I contacted Chase Bank again to let them know I did not sign a contract on XX/XX/2020. I also contacted them again on XX/XX/2020. They stated the dispute had to go through their investigation process. Instead, they cancelled the dispute and allowed the {$3000.00} to be charged to my credit card, based on my call on XX/XX/2020, but completely ignored the multiple calls I made subsequently. They closed the dispute without my knowledge. I never received a letter. In fact, they told me XXXX XXXX had the money and I have been trying to get it back from them since then. Chase Bank made me file a new dispute on XXXX XXXX and fax them the information in writing. I then received a letter on XXXX XXXX ( dated XXXX XXXX ) where they again closed the dispute. Upon contacting them by phone on XX/XX/XXXX after receiving my first letter from them, the representative stated XXXX XXXX had the {$3000.00}. I contacted Chase Bank Disputes on XX/XX/XXXX and requested to speak with a manager. The manager told me they closed the dispute, and also that XXXX XXXX did actually approve the dispute and they don't have the  {$3000.00} in their bank account as I was previously told by other Chase representatives, so the money went back to XXXX XXXX XXXX  Bank ( XXXX  XXXX XXXX ) and there is no remedy other than me paying {$3000.00} for something I didn't purchase and don't have a contract for. In the meantime, I have the {$3000.00} charged to my credit card account with late fees and interest. Chase Bank completely mishandled this dispute. There was no investigation that included me and my phone communications to them to resolve this issue went ignored. I first can't understand how XXXX XXXX could charge my credit card for a purchase that didn't have a signed contract or approved loan agreement for and how their bank ( XXXX  XXXX XXXX ) is allowed to keep the {$3000.00} without any remedy. The manager ( XXXX, Chase Bank  Disputes ) I talked to on XX/XX/2020 stated that is a fact. Up until this date, I had no idea the dispute wasn't handled, or that the money was permanently given to their bank ( XXXX XXXX XXXX ) and they are allowed to keep it.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I received a new bank card in the mail because my original card was about to expire. On XX/XX/2020 I notice an unauthorized transaction I reported to Chase Bank, they stated they only go back for 60 days. I canceled that card and requested a new bank card also, request for my credit report for all 3 Credit Bureau
Consumer complaint received 2023-01-09
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)

I am writing today in regard to my credit report. I have made many contacts with this credit reporting agency over the past few years and have asked them to remove some information that I did not authorize them to place on my credit report. At current, there are inquiries that I did not make and or authorize to be on my credit report and this company refuses to remove them. XXXX bank is inaccurately reporting on my credit report and this company is the only company that refuses to remove them from my report. According to Law 15 U.S.C. 1681-1681x, I have the right to fair disputing, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information and Consumer reporting agencies may not report outdated negative information, and I must give my consent to reporting. As of date, this company has not complied with the laws.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Valentine and Kebartas, Inc. (FL)

XXXX XXXX XXXX hired Valentine and Kebartas of XXXX XXXX XXXX XXXX XXXX to garnish my SSI income in 30 days and sue me when it is illegal to sue someone on SSI. See attached letter stating that fact I get SSI. They are also calling me day and night to collect and threatening arrest saying they are the IRS.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit reporting agency keeps reporting a fraudlent account that has not been verfied correctly.I have also filed a indentity affadavit with the ftc on the fraudlent account. The account is XXXX XXXX in the amount of {$560.00}