davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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. (CA)

Experian FAILED TO EXPLAIN in a recent complaint to them ( submitted through the CFPB! ), WHY a POSITIVE CREDIT ITEM WAS REMOVED FROM MY CREDIT REPORT BEFORE 10 YEARS HAD ELAPSED! Experian 's response to me over the previously submitted complaint, stated that EXPERIAN 'S " credit report policies '' keep a " positive credit item '' on a consumer 's credit report for 10 YEARS ( my positive item-a STUDENT LOAN PAY OFF! ) was removed after only EIGHT YEARS! WHY? 

WHY does Experian REFUSE TO ANSWER QUESTIONS SUBMITTED TO THEM, even through CFPB?
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This number and 20 others are from portfolio recovery. They call early morning and late night both home and cellphone on a constant bases. I have answered the phone and nobody is there so I hang up. This has been going on for years. I have been on do not call a few times and still calls come through. I don't know what to do. I feel that are harassing me because they keep calling and do not leave messages or talk to me when I answer.
Consumer complaint received 2018-09-04
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX ( Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!
Consumer complaint received 2018-08-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio recovery associates, LLC send me a credit card bill which I do not know about. I have never had a credit card before, They threatening to sue me and seize my property. They put the bill on my credit report, and it is affecting my credit. There is a class action Lawsuit against portfolio recovery in North Carolina for treating thousand of people this was.The case is named Portfolio Recovery Associates, llc v. XXXX, and is case No. XXXX, pending in the Superior Court of XXXX county, XXXX, North Carolina. I have ask them to remove it from the three credit bureau but the refused.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

Today, I received a letter telling me to destroy my card and I will no longer be able to use my card. The letter states that I misrepresented a dispute which I did not because all of my disputes were investigated and resolved by the company. I have letters indicating that my disputes were resolved so I do not know what disputes Citi Bank is speaking of. There are two disputes pending but the investigation is not over and I have not been given the opportunity to provide additional information. My account has been restricted and I would like my account to be re-instated. Citi Bank needs to apologize and rectify the account restriction because there has NOT BEEN ANY INTENTIONAL MISREPRESENTATION. Perhaps there is a miscommunication issue but regardless Cit Bank is negligent for not requesting additional information. Consumers need to be aware that credit card companies have an obligation to investigate disputes and can not simply close account because the company does not want to deal with the problem. 

Called customer service and the people on the phone said they were ordered to not disclose any information to me. This is awful customer service.
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CONGRESS COLLECTION CORP (MI)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

on XX/XX/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.
Consumer complaint received 2018-07-25
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: Navient Solutions, LLC. (GA)

In XX/XX/XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large cable company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX XXXX  that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to Sallie Mae about this and they basically told me tough cookie. I defaulted on the loan in XX/XX/XXXX and have never looked back. In XX/XX/XXXX they sold the debt to Navient. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I received a text message from my bank regarding a suspicious credit card charge at XXXX XXXX. The {$1000.00} purchase was made at XXXX XXXX on XX/XX/XXXX on Visa XXXX XXXX XXXX XXXX. I was in possession of my card at the time of the transaction and I did not authorize the purchase. I disputed the charge with my bank.
Consumer complaint received 2018-09-04
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. (FL)

on XX/XX/XXXX of 2018 a charge was made to my chase XXXX rewards card which both my children were authorized users on. the charge was made to XXXX XXXX in the amount of 3800.00. on such date a person known to my son accessed his phone to wire the money to a friend this was done by the XXXX XXXX site knowing the info as it was automatically signed in. within a few minutes of receiving the text of the purchase via chase texts. a call was placed disputing the charges as fraud unauthorized within 5 mins of receiving it. the process was long and the result ended not in are favor due to the fact we knew the person who committed the fraud. as to the law on such issues is fairly easy to understand under the fair credit billing act. it is not uncommon for a person or family member to fraudulently use a person credit card with out there permission. it also states that its not a denial of a claim for such. its my opinion that chase bank has skirted this claim and has not held the fair credit billing act to its standards on unauthorized use. chase bank has denied the claim stating that i knew the person. they claim i never contacted XXXX XXXX which i did on several occasions. ( see letter from XXXX XXXX ) i would also like to add as to the fact the transfer shows it was cancelled and never paid ( see in closed transaction summary ) chase investigator number 3 asked for a letter stating the id theft which was faxed to chase as there request. i would also like to add that my password to XXXX XXXX was changed immediately and a email was sent to them which no response was ever given just a letter 4 months later. chase may never return the money that was taken from my account along with the cash advance fees it has made on the unauthorized purchase but im never willing to be taken advantage of by big banks who violate the law and rob average citizens on a daily bases.
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MD)

I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit reports from XXXX, XXXX and Transunion and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates 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 I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information.

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-05
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. (PA)

This is a formal complaint that Equifax is being willfully noncompliant and is continuing to violate my rights under the FCRA. On XXXX  I filed the following complaint with cfpb ( plz see complaint # XXXX ) This is a complaint that this company is in violation of the FCRA. On XX/XX/XXXX I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts. My complaint now is Equifax has not properly investigating nor respond to these violations. In my complaint I emphatically grieved the fact that I have requested method of verification on several different occasions sent certified mail dating back to XXXX of XXXX to which each time Equifax has denied my request.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (OK)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX  ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also  varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX  and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (AL)

I have received a letter from Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC, XXXX, attempting to collect on an account for XXXX XXXX, XXXX that has been deemed closed through the investigation by a previous debt collector. The original collection account number has been changed to create, what appears to be a fraudulent collection account number, different from the original, however the said original account number of the supposed debtor remains the same. 

I disputed the debt in 2016 with a previous collector, who investigated the account and found the debtor account to be closed and " discontinued collection activity. '' At that time several collection agencies were attempting to collect on the same account claiming to represent XXXX XXXX, XXXX, with different collection account numbers. 

In disputing the debt, in writing, one of the agency 's zipcode was found not to exist by the U. S. Postal Service. 

Dynamic Recovery Solutions purports to represent XXXX XXXX and 12 other members of the " XXXX XXXX. '' I hold the letter from the agency that performed the investigation stating the results.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without written instructions
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX verification, and do not consent to XXXX being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have sent numerous letters via certified mail disputing XXXX inaccurate item that remains on my credit reports. I have asked for verification of the account and have not been provided with that per my FCRA rights.