davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

Diversified Consultants is a collection company hired by XXXX and XXXX when an account is in collections.

The XXXX  account was open in XX/XX/XXXX and closed paid and full, with all equipment returned to XXXX. Diversified is showing a false open date of XX/XX/XXXX, on my credit report with a balance of {$3100.00} Diversified continue to update this information on my account every month and every year Diversified update my account with a new open date.

The XXXX account was paid in full of {$140.00} in XX/XX/XXXX, after transferring to another phone company. Diversified is once again showing a false open date of XX/XX/XXXX, with a balance of {$2100.00}.

I had to change my telephone number because I was harrassed daily from Diversified Consultants. I have disputed this company twice over this false predatory balance on my credit report. XXXX and XXXX were paid in full. Every time I dispute Diversified Consultants, they update information on my credit report account which caused my credit score to go down. This is a form of intimidation to try and keep me from disputing this information, so I can pay them the amount they say I falsely owe.
Consumer complaint received 2021-12-22
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. (VA)

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX XXXXXXXX XXXX - Account # - XXXX XXXX XXXXXXXX - Account # - XXXXXXXX XXXX XXXXXXXX - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX XXXX  Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX - Account # XXXX XXXX XXXX - Account # - XXXXXXXX XXXX - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

XX/XX/2018 I sent money to my friend in New York by XXXX. 
Unfortunately the money I sent was exceeded New York State limit, therefore my friend could not pick up money I sent.XX/XX/XXXX& XXXX I called XXXX for refund, but they kept saying money is available for pick up, and my friend visited several times XXXX store to collect it, but he could not because exceeded State limit. Finally XX/XX/XXXX XXXX Customer Service told me my money will be refunded, then I went XX/XX/XXXX store where I originally sent money to friend and asked refund then XXXX  Customer Service tried to refund my money for two hours but XXXX system did not allow to refund by XXXX, finally XXXX told XXXX Customer service 36 hours cooling period for refund. 
Therefore today, XX/XX/XXXX I visited Walmart store for refund, so Walmart XXXX XXXX negotiated with XXXX, but I spent one hour same excuse another 36 hours, so come back Monday, XX/XX/XXXX. 
This is XXXX 's systematic extortion of general public. Clearly this XXXX business XXXX is conducting. This is why I filed complain to get help from CFPB in order to deal with Minnesota XXXX. 
Note : XXXX XXXX reference # XXXX, Refund reference # XXXX gave to XXXX  XXXX, this # is not working.
Consumer complaint received 2021-12-05
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. (VA)

On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at Transunion at XXXX XXXX EST.  He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at XXXX at XXXX XXXX EST and I spoke with XXXX at XXXX at XXXX XXXX EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.
Consumer complaint received 2020-06-03
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (IL)

Today, XX/XX/XXXX, I got an alert from XXXX XXXX, that a New Collections Account from Jefferson Capital XXXX had been added to my XXXX  XXXX file for an old XXXX XXXX bills, that I had previously disputed with CFPB back in XXXX. I have never received anything from Jefferson Capital and do not understand how they are able to add an item to my credit report without first contacting me so that I can dispute. I spoke with a Representative from Jefferson and advised that " I DO NOT OWE THIS DEBT TO XXXX OR TO JEFFERSON AND PLEASE VALIDATE THE DEBT ''. He advised that they are the owners and I now owe this factious debt, I still advised that " I do not owe this amount to you or XXXX '', please remove from my credit file for XXXX  ASAP. 

Thank you XXXX XXXX
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

XX/XX/XXXX obtained copy of my credit report.it shows National Credit Systems ( NCS ) balance of {$3200.00} owed to XXXX XXXX, opened XX/XX/XXXX. 
I owe no such debt! in fact, I have legal settlement agreement from XX/XX/XXXX with XXXX apts showing no money is owed and the matter was completely closed. how NCS claims such info is beyond me. 
they refuse to provided any records or explanation for the alleged charges they continue to verify and report to the credit bureaus.. they argue, threaten and demand payment. the account shows like it is new so I have been denied a home loan. this is the only negative account on my credit report. I notified XXXX of the situation and they said they no longer have the acct or records. I can not afford an attorney to fight this. please help.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I had a mortgage through XXXX county state bank. That mortgage was sold to XXXX XXXX XXXX. We went through bankruptcy and XXXX XXXX XXXX was included in bankruptcy. Its still showing an open account with a balance. XXXX XXXX and XXXX have both taken it off of my credit report. Equifax is still reporting that is an open account which its a closed account. I contacted XXXX XXXX XXXX and they stated that they havent reported it to equifax since before the bankruptcy ended. They told me its equifax thats not changing it. It has affected my credit score tremendously. Initially equifax took it off the report and then the following month the put it back on. Something has to be done about this. It should be a closed XXXX balance account. But its showing {$5300.00}.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am in the process of trying to buy a home. The lender tried to obtain my credit score numerous times with equifax and there are receiving a message stating fraud alert. I dont not have a freeze or fraud alert on my equifax account. Called equifax 5 times on XX/XX/2021. And they tell me that its nothing wrong on there end. Im running around and circles. Its unfair that this situation is delaying my dreams of getting my first home.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My Name is XXXX XXXX XXXX I was issued a warrant on XX/XX/XXXX and i was notified of it by my parole agents so i placed all my wallet belongings into a XXXX firesafe and when the police arrived i went with them and left this locked i was the only XXXX with the combo. 
I went back to prison until XX/XX/XXXX when i was released early i was meant to get out XX/XX/XXXX, i came to a treatment center, i then went home for a pass to get my stuff and seen that my home was broken into at some time this day was on XXXX the XXXX i looked for my safe and i couldn't find it so i logged into my acct. and seen that the funds were missing so i started to call the bank { Capital one 360 mobile banking } it was to late to talk to anyone in the fraud dept. so i call the next day, i had to return to the treatment center also, on XX/XX/XXXX i filed a claim with capital one 360 mobile banking for all the usage on my card and my account, they started the investigation for me and issues claim numbers for it they are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for account ending in XXXX and from that day forward i have been helpful trying to give the bank all the information they would need to help them in there investigation such as the prison documents showing the dates i was locked up and the dates i was released and the police report number and officer name and information. 
Now with the bank having a full statement from me and having state issued documents showing that i could never have made any of the transactions cause i was in prison they still denied returning my money to me. each month the bank informs you how much comes in and how much goes out they tell me its {$11000.00} that was spent out of my account but i add up differently and maybe i am wrong i am adding up what i got deposited into my account each month cause it is what was spent i did spend any of it.so what i can add up is that each month 's deposits based off the bank statements they are as follows ; XX/XX/XXXX XXXX to XXXX {$430.00}, XXXX {$6600.00}, XXXX {$2900.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$1700.00}, XXXX {$1400.00}, XXXX {$960.00}, XXXX {$0.00} for a total of {$18000.00} was deposited into my account and which i never used nor gave permission to have anyone use, ,so for the month of XXXX, the acct was used w/o permission from the XX/XX/XXXX at XXXX to XXXX, then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, up to XX/XX/XXXX. 
I will be attaching emails and bank doc. for you i hope all this helps cause none of it did for the bank they say they see no errors and it blows my mind.
Consumer complaint received 2022-06-10
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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. ''
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I was contacted by The XXXX & XXXX XXXX on XX/XX/XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NY)

While I have an outstanding credit rating ( 820+ ), and more than enough income, I did not qualify for the lowest advertised APR. I first applied for the card on XX/XX/XXXX, and my application was accepted immediately. I contacted XXXX XXXX/XXXX XXXX customer service that same evening looking for an explanation as to why I didnt qualify for their lowest APR advertised. They could not explain why I personally didnt receive the lowest rate, and offered no transparency or any avenue to lower my rate or get more information.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management , IncXXXX is attempting to collect multiple debts with my name attached but Midland Credit Management , Inc. is not licensed in the state of Florida to act as a debt collection agency. Not to mention they call my mobile and office phone continuously even after I have stated, verbally, " Please cease and desist all calls and contact with me, immediately ''. I even attended a voluntary mediation on XX/XX/2022 and spoke to the representation about this collection account. I am having it removed from my three credit bureau currently.
Consumer complaint received 2021-12-22
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: Shellpoint Partners, LLC (FL)

Hi! 

- Was working a forbearance plan with XXXX XXXX XXXX for few month. 
- Right almost at the end of the plan when I was about to start making payments again, my loan was transferred to another servicer " Shellpoint Mortgage Servicer ''. 
- We applied again for the continuance of the forbearance for few more months, and right in the middle of the application and even within the 60-days of transfer of servicers protection they reported me delinquent. 
- Transfer of servicers rights happened on XX/XX/2021 and I was never ever able make payments to the new servicer via the web or the app as my loan was locked due the current forbearance with the previous servicer. 
- Bottom line I was locked for payments, applied for new forbearance and home help, they replied and asked for more documentations, and regardless of this, and besides the 60-days protection for servicer transfer protection they still reported me delinquent for XXXX ( late 120 days ) to the credit bureau hitting me with over 200 points negatively in my score. 

Also the number of days delinquent is wrong!!!! They are reporting 120 days ... .or hey are really missing some payments from previous servicer. 

Can you please help? they don't listen or want to help or advise.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pathfinder Credit Services (FL)

I obtain a copy of my credit file and found the following as an error. 
Please verify or validate this debt. if not please remove from my credit file 1. Creditor Name : XXXX Date : XX/XX/2019 Amount : XXXX
Consumer complaint received 2018-04-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Followup to complaint XXXX. 

I am at wits end with Experian. This is the third time I have submitted this request and not once has the issue been addressed. I keep getting the same boiler plate garbage although my request is totally different. THEY SIMPLY DO NOT READ!!!! 

Let me try again to explain what I need. XXXX please pay attention, because you keep closing the complaint without reading question nor answer. 

There was a dispute with XXXX CT XXXX because they idiotically kept sending notices to my old address one year after I had moved. This resulted in some rude incompetent collection agency harassing me. 

After contacting XXXX, I agreed that the amount ( {$140.00} ) was due but I have not paid them BECAUSE ( and please read carefully ) BECAUSE NEITHER XXXX nor EXPERIAN will accept responsibility for removing negative remarks from my credit report. They both say it is the other one 's responsibility. I AM CAUGHT IN THE MIDDLE. 

I will pay XXXX upon confirmation by both parties that they will agree to remove negative remarks from my record. 

IS EVERYBODY STILL FOLLOWING THIS??? 

Now, can I get an answer?