davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch (IL)

A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (TX)

Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.
Consumer complaint received 2015-03-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: MNE Services, Inc (IN)

I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (TX)

act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX ). Miss put information on multiple areas. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-04
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. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Equifax : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 'S XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-04
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: Uplift, Inc (OH)

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AL)

My uncle who was in his XXXX & passed in XX/XX/2020, had made me a joint user on his citi XXXX XXXX MasterCard. I lived with him & took care of all of his finances. I paid his final bill for his full balance, sent in a certified original death certificate, & a handwritten note asking for the account to be closed, as I was his executor. That was in XXXX of XXXX. I hadnt heard anything by the next month, so i used the online chat function. In the chat, I asked if all had been received & the customer service agent said it was in process. Also In XXXX of XXXX, I received a late notice by email stating that the account was past due for the month. I made a phone call, there was miscommunication as the service rep couldnt understand me, so he got mad, blacklisted my phone number & blocked me from all account functions. I attempted to send a second payment out of fear with another letter. I kept trying to call, my number was blacklisted by Citi, & I was sent to these people overseas who played games & tried to make the call drop. I was in shock. I tried to make a third and final payment by mail as this was my only option, having been electronically blocked. Finally, the company processed all 3 payments, closed the account, & sent a statement with a credit of over {$130.00}. I attempted again to call Citi to get the money back, but same thing, blacklisted my number, & they played games. This experience was horrible, humiliating, & came at a time where I lost the last of my family. Nobody has ever called from Citi to resolve this matter. I cant believe they are allowed to get away with this. My guess is if its happened to me, its happened to thousands of others.
Consumer complaint received 2020-06-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-06-05
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX  {$860.00} XXXX  XXXX {$0.00} XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} XXXX CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-06-15
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. (FL)

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

15 U.S.C 1681 Section A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

RESURGENT CAPITAL SERVICES/ LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX have been violating me and causing harm to my personal reputation Pursuant 15 USC 1692d ( 1 ) keeping me from getting other extension open ended consumer accounts. They have not sent proper validation of the alleged debt Pursuant 15 USC 1692g ( a ) ( 4 ) statements are not sufficient validation. RESURGENT CAPITAL SERVICES/LVNV FUNDING continues to report negatively to the credit bureaus even after the cease and desist Pursuant 15 USC 1692d ( 1 ). RESURGENT CAPITAL SERVICES/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692e ( 2 ) ( a ) for falsely representing the amount owed because the amount placed on the ( Letters ) and ( statements ) shows the balance in the positive.
Consumer complaint received 2018-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm not sure why i keep getting the same parrot information from the XXXX, XXXX, AND TRANSUNION that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA.

Look that the 2 cases below : XXXX vs. Transunion revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate.

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX XXXX XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX   willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''.

Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly.

These cases above explained in detail how the true verification should take place with the bureaus.

I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
Consumer complaint received 2018-05-12
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. (FL)

XXXX XXXXXXXX XXXX has reported delays in the Equifax credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Consumer complaint received 2022-06-18
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-03-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian continues to refuse to add my 100 word statement to my credit file as requested multiple times.

Experian provides vague excuses that they do not understand my request which is quite simple : ADD MY 100 WORD STATEMENT UNAMENDED to my credit file. I do not understand how difficult that is to do. 

My request also includes sending me a copy of my revised credit report with my statement so I have proof my statement has indeed been added to my report file as requested now for months.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I review my XXXX  account dated XX/XX/XXXX I found out that there are items passed on that should be Block. Per FCRA segment 605 XXXX and Equifax Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. XXXX did not response my letter that sent to them last XX/XX/XXXX. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NV XXXX U S DEPT OF EDXXXX XXXX Balance Owed : {$3500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} ACCOUNT XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, TransUnion and XXXX but the credit dispute has not removed the information from my credit report.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

We thought we were only 3 months behind on our payments and on XX/XX/XXXX we  sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX CAP Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX COAF Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX C Date XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.
Consumer complaint received 2022-06-15
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. (GA)

I am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. Experian and XXXX has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But Experian responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why Experian and XXXX can't follow suit.