davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

I have disputed the account several time with XXXX being that the original amount owed of {$880.00} reflecting on my credit file does not match the original amount of {$850.00} documented on the paperwork provided to me by the collection agency. For the record this discrepancy is yet to be fixed despite several disputes. Attached you will find a copy of the aforementioned document. 

I have been mocked by XXXX of the agents of the collection agency during a phone conversation, who stated that he has a good credit and I do not. Granted that is the only collection account on my credit file On XXXX XXXX, 2017, I sent an email to the collection agency, Blakely-Witt and Associates, Inc. that is. In response to my email, that same week, they did an update to my credit file that significantly plummeted my credit score. An act of malice on their part. Or perhaps, a willful intent to do harm to my credit score. 

In any event, I also found their action discriminatory unless they can show that the update that was done on my file is customary and a standard practice, and that such updates are done on all files handled by their office. Even then, the legality of such an extreme and abusive way of trying to collect a debt has to be questioned. 

Like I stated on my last email to their office, I will not accept being bullied and based on their response, I will have to add that I will not accept been singled out, treated unfairly and discriminated upon either. 

The agent that responded to my email also stated that they will no longer response to any email from me and that If I would like to contact them, in the future, it would have to be through certified mail. Again, unless this is something they ask of all individuals who 's collection account they are handling, I will herein add that I will not accept been singled out, treated unfairly and discriminated upon. 

Today, I would like to bring my recent experience with the said collection agency to your attention in form of this formal complaint. Especially, since I can not communicate with them without fear of some sort of punitive action from them that could be detrimental to my credit file/score.
Consumer complaint received 2022-03-08
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. (IL)

I am writing to file a complaint against a collection agency, Experian, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to Experian, XXXX, and XXXX XXXX. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information. 
3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information. 
4. Experian Credit reportingXXXX XXXX XXXX XXXXXXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to I XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-08
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-03-08
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. (FL)

Transunion, one of the three most important credit bureau handles sensitive and confidential information in an unsafe way for its consumers. 
They offer online services to upload documents and then do not answer for them what I consider misleading advertising to consumers. 
I have been disputing fraudulent information on my credit report and they do nothing, which has affected me directly. Several months ago I sent them the required documents and they say they have never received them. My question to them is where are my rights and where my personal information went to? They simply avoid the answer and ask to the consumer to repit the same process over and over without solving the issues.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.
Consumer complaint received 2022-06-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (IL)

Sent pay to delete to company. Now have judgment against me. Could not make it to the court date, filed a motion of continuance, it was not granted, judgement was issued immediately.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (IA)

I bank with XXXX XXXX who now uses XXXX. I recently received an email from XXXX XXXX directly advising my " mobile number is inactive and has ben removed because it has been disconnected '', so they were removing it form my account for me. My phone number has not changed, nor has it been disconnected. I called XXXX XXXX who informed me this was a XXXX issue, not theirs. So I get transferred to XXXX who plays the blame game and says I need to speak with XXXX XXXX. After explaining over and over to the woman that this is not a XXXX XXXX issue, she suddenly asks if I changed cell phone providers. Although she already told me this was not " their fault '' I explained that I did switch providers, but my number did not change. She then admitted that if you change providers you will be " kicked off : '' XXXX. What do you know, I was kicked off XXXX, not registered, they removed me. My phone number has not changed, I have the same number. My husband and I pay bills from MY account, so he transfers me money on a monthly basis, every single month. When we register with XXXX as a " new user '' you are only allowed to send {$500.00} because you're a " new user ''. My issue is that I AM NOT a new user. I have now registered three separate times with XXXX and this last time is solely because of their error and negligence with my account. My husband now CAN NOT send me funds we have for our bills. XXXX has no business removing my phone number from my account or touching my account in the first place. Or the fact that they can clearly see I am not a first time user, but refuse to make any sort of " allowance '' to fix their {$500.00} first time user non-sense. I am literally being told what I can and can not do with MY MONEY all because of an error XXXX made. An error they will not own up to, fix, or make right with me. This is thoroughly unacceptable and I am beyond dissatisfied with BOTH XXXX XXXX and XXXX. the blame game. typical. no one can help, no one can fix anything, nothing. they literally did nothing for me. so I once again registered, took the {$500.00} since XXXX tells you how much you can and can not send to people.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (NC)

On XX/XX/2022, I sent Equifax a certified letter disputing inquiries on my consumer report and I have no idea about and that I want them deleted. They did their investigation and everything came back verified but not supplying any evidence that I made these transactions. The law clearly states the following.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( Fair Credit Reporting Act CFR 604 ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 USC 1681n Civil Liability for willful noncompliance ( Fair Credit Reporting Act 616 ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (MA)

On XX/XX/2021, I received a letter from Credit Corp Solutions , IncXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay XXXX with a XXXX XXXX. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a XXXX credit card or had an account with XXXX. 

Credit Corp Solutions wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised  since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX I have {$250.00} USD in my paypal balance for over 180 days. I tried to add a bank and its not allowing me to. I also tried to request a check but it says my address cant be verified.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

For the past few months, i ve tried to get Equifax to report my credit line which would then raise my credit score and always its the same response. The CSR would then asked to verfiy my id, so i mail in the request and alongside by faxing it twice from my Credit Union as well. The CSR always claim to never recieved such or to resend my verification id, yet some CSR do find the paperwork in their system already. Furthermore, i ve tried to debate that my credit card company XXXX XXXX does send a monthly report to all credit agencies and its on their side thats not processing the information given. However, in recent XXXX and XXXX is now reporting all on time payment as well.
Consumer complaint received 2020-02-04
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)

XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ON XX/XX/2015. 
CHARGED OFF IN XX/XX/2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY XXXX  AND EXPERIAN HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.
Consumer complaint received 2022-03-08
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. (OK)

Dear CFPB On XX/XX/XXXX, I bought a mobile phone from XXXX, which is worth {$1300.00}. Because it does not meet their activity requirements, I can only return the mobile phone. ( XXXX return tracking number : XXXX. ) After receiving the returned mobile phone, XXXX  company refused to refund, so I filed a dispute with Chase Bank. For the first time, I didn't know what information to provide, and I didn't receive the notice that the bank needed me to hand in any information, so I missed the first dispute. So I proposed to the dispute Department of Chase Bank to reopen the dispute of opening this case, and provided the tracking number, screenshot of contacting the merchant and email sent by the merchant. I called the dispute Department of chase many times, and each time I received a different answer. I provided them with all the information they asked me to provide. However, they still refused my application. Chase bank told me that the case was too long and that it could not be reopened after missing the first dispute. Chase bank did not communicate with XXXX  any more and directly closed the case. Moreover, they told me that the re application was the same result and asked me to go directly to XXXX for a refund. After many communications with XXXX, XXXX told me that their finance couldn't handle the refund and asked me to communicate the refund with Chase Bank. So I have been communicating with the two companies to deal with this matter. Three months later, I still can't solve this problem. In the face of facts, chase bank did not protect the rights and interests of consumers. XXXX  has been shirking responsibility. I beg cfpb to help me complete this case and get my refund back. Thank you very much
Consumer complaint received 2019-03-30
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: ALLY FINANCIAL INC. (VA)

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I hope this finds you well. 
My problem is with Chase credit card company. I had a credit card account that was in good standing starting in year XXXX ( {$4500.00} limit ). I shut the account down in XXXX because I could not afford excessive interest rates. I contacted Chase to make payment arrangement ended up creating a settlement with Chase CC, paying them 50 % of amount in XXXX they will not remove from my credit report and have inaccurately captured a XXXX date that is meaningless. I feel this is hurting my credit and my potential background checks with employers. I also feel Chase is doing this on purpose. I have asked for explanation and disputed on credit report. They do not respond to me.

Chase Credit Card Account Number is not available and the credit report shows closed XX/XX/XXXX. Last touch of XXXX is not possible. Chase is wrong in the record reporting. Please let me know what else I can provide. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.
Consumer complaint received 2018-09-13
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. (OH)

On XX/XX/2018 Experian listed a new debt collector on my credit report. This debt collector is XXXX XXXX, account no. XXXX for the amount {$710.00}. I disputed this debt with Experian and they deleted it on XX/XX/2018. The first debt buyer was called XXXX XXXX at the time of removal. After I had the account removed they sold it to XXXX XXXX. I filed an Identity Theft Report with both XXXX and XXXX to block XXXX from reporting this fraudulent account on my credit reports. I have an extended fraud alert and locked credit reports. I have been a victim of identity theft and want the account removed. I have enclosed with this complaint to Experian, copies of my Identy Theft Report, FCRA 605B, Proof of Identity and, Experian Credit Report.
Consumer complaint received 2022-03-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, and repaired. 
XXXX XXXX  Bankruptcy 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  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX