davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN HAS DELIBERATELY NOT UPDATED MY CREDIT SCORE AND MY CREDIT LIMIT ON MY XXXX ACCOUNT BECAUSE I HAVE FILED COMPLAINTS IN THE PAST WITH THE XXXX AND THE CONSUMER FINANCIAL PROTECTION BUREAU. LAST MONTH ON XXXX XXXX MY CREDIT UTILIZATION WAS 3 % WITH A CREDIT DEBT OF {$230.00}. AS OF XXXX XXXX MY UTILIZATION DROPPED TO 1 % WITH A CREDIT DEBT OF {$41.00}. AND I CONTACTED XXXX ABOUT EXPERIAN NOT UPDATING MY CREDIT LIMIT FROM {$400.00} TO {$700.00} SINCE XXXX. I ALSO SPOKE WITH SEVERAL PEOPLE AT EXPERIAN WHO BASICALLY TOLD ME A FLAT OUT LIE THAT XXXX HASN'T UPDATED MY ACCOUNT. IF YOU CHECK MY XXXX AND XXXX CREDIT REPORTS YOU WILL SEE XXXX UPDATES MY ACCOUNT EVERY MONTH ON THE XXXX, EXPERIAN TOOK IT UPON THEMSELVES TO UPDATE MY ACCOUNT BACK IN XXXX ON THE XXXX OF THE MONTH WITHOUT PERMISSION OR AUTHORIZATION FROM XXXX AND THEY ARE DELIBERATELY KEEPING MY CREDIT SCORE STAGNATED BECAUSE I CONTACTED THE CONSUMER FINANCIAL PROTECTION BUREAU ABOUT OTHER PROBLEMS I HAVE HAD WITH THEM CONCERNING MY CREDIT REPORT. THEY ARE BREAKING THE LAW. PLEASE I AM BEGGING THE CONSUMER FINANCIAL PROTECTION BUREAU TO INVESTIGATE THIS COMPANY THOROUGHLY.
Consumer complaint received 2022-12-15
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. (CA)

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 

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 has reasonable cause to believe that the information is inaccurate. 

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center (MD)

Received Important second notice about a fictitious {$16000.00} debt offering to reduce it to only {$8000.00}. Company is Debt Relief Center. Notice date XX/XX/18. Client Negotiations department XXXX XXXX. Its a threatening letter designed to intimidate and a scam to Separate me from my money.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (GA)

Stating from 15 USC 1692a, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from 16 CFR 433.1 ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (IN)

Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A fair resolution would be my refund processed immediately, 2 months of no payments from cap one for the stress, and time missed from work-3 days. Lowering my payments significantly would also be a good solution or change refinancing policy for me only.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lakeside Receivables LLC (CA)

I've had this company hound and harrass me for the past year, after repeated attempts to tell them I do not know who the person is they are looking for.I have asked them several times to take me off there call list to no avail.They start out first calling my home phone number, then they proceed to call my cell phone and then also call my wifes cell phone.This company is the worst, the people that work there dont understand what it is when someone asks to be removed from there call list.
Consumer complaint received 2019-08-05
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (MI)

I have been falsely alleged that I owe over {$20000.00} in student loans in the year XXXX, and XXXX and XXXX. 
Fed loan alleges XXXX XXXX College for imputing the information. 
Can you help please?
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CO)

Today, XX/XX/22, I was notified about a debt sent to collections ( Convergent Outsourcing inc. ) for a bill incurred from XXXX XXXX which was reported XX/XX/22. I have never lived in Texas. I have never cosigned any loans/utilities. The amount owed is {$560.00}. My wife had a fraudulent claim from XXXX XXXX as well ( we both have never lived in Texas. ) I have pulled credit reports from all three Bureaus and am working with my identify theft service to get this addressed. This claim is to further address this.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I applied for & got an Amazon Prime store card. I tried using it to buy on Amazon online but it was not accepted. I cancelled my Amazon prime & card. Now Synchrony Bank claims I owe them {$120.00} fees for a card that I can not use. I have had this card for less than a year. Their statements give no dates when they add more fees. I think it is a scam to scare people & make them pay. I could not cancel the card from the banks web site. A man from the bank call today ( XX/XX/2019 ). I explained that I have cancelled my card. He informed my that I still had to pay. I don't think that I owe them anything for a worthless card. I also think that their fee are way too high. The first time I tried to use the card was in XX/XX/XXXX. and I cancelled it shorthy afterward.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I don't why this company is reporting this account on my credit report. This debt is unfamiliar to me. I have mailed several letters to NCB asking them to verify this debt and validate that this is debt that is actually mine but they have failed to do so. They have not communicated with me.
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (FL)

XX/XX/XXXX My mother received a call from XXXX from XXXX XXXX XXXX looking for me. He left a phone number ( XXXX ) and file number of XXXX and asked that I call him back regarding a civil matter. When I called I spoke with a XXXX XXXX who said he was with XXXX & XXXX and proceeded to " verify '' my information. He read my name, address and last XXXX of my social and said I have a debt that needs to be settled. He would not tell me who the creditor was. I asked what state his firm was located in and he refused the information. After going back and forth, and only being told numerous times that the call is being recorded he told me that it was Indigo Card and that XXXX & XXXX represented them and were going to sue me. I asked for him to send me a copy of all the information and the verification of the debt and I would gladly speak with him, but that I would neither confirm any of my personal information over the phone nor take responsibility for a debt that I wasn't sure was mine. He started to yell at me at which point I hung up. 

XX/XX/XXXX My brother and his wife both received a call from XXXX with XXXX ( XXXX ) regarding File # XXXX and asked them to have me call him. When I called it was again XXXX XXXX XXXX. This time I spoke with XXXX who gave me the information I had requested in my first call. 

I let XXXX know that I have never received a direct phone call and asked that they only contact me and not my family members. I never gave my family members information out and am not sure how they obtained it. She told me that if they were over XXXX they would have to put in the request themselves, to which I repeated that they are to call me for a debt they claim is mine. 

They are being untruthful beginning with who they say they are representing when calling my family then when I call I get an entirely different company name and their file numbers also do not match. 

As a result of this call, this " debt '' is still unresolved as they won't send me any information and have asked that I call the creditor to resolve the issue.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-10-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX  XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX  XXXX ( Original XXXX XXXX  XXXX  XXXX  ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

There are hard inquiries from thd/cbna that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.
Consumer complaint received 2021-08-24
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. (CA)

I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delivery Financial Services, LLC (FL)

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

DELIVERY FINANCIAL SER Original creditor : XXXX XXXX XXXX OF XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX XXXX  on XX/XX/XXXX Original balance {$220.00} {$220.00} Payment Info Original balance {$220.00} Balance {$220.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX  XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LAKE XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-24
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: CMRE Financial Services, Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I initiated a wire transfer of {$6000.00} from my Citigold account to my account at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. This is the partner bank to my bank in XXXX, XXXX, XXXX. I own a home in XXXX and spend the winter there. I received notification of a " fraud alert '' on the wire transfer and that it was under review for 24 to 48 hours. About 12 hours later, I received an email stating that my online access to my Citigold account was on hold. Shortly thereafter, I spoke with my wealth manager at Citigold who did an investigation. He told me that a " hard closure '' of my account had occurred and that he could not speak to the fraud unit that had closed my account. I have heard from the Citi Executive Response team that they have until the end of XXXX to distribute the funds in my account ( approximately {$13000.00} ). I have no access to my bank records or Citi credit card. I do not know what bills have been processed or what monies received. 

I believe the fraud alert was triggered by my initiating the wire transfer from my computer in XXXX. I understand the need to monitor these sorts of transactions. However, no one contacted me to ascertain my circumstances. I have just been victim to the bank 's algorithms. This situation has been written about in the 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. Frankly, this is a grotesque way to treat customers, especially one who has been with the bank for over XXXX years ( and at the elevated " Citigold '' level ).