davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio Recovery acquired a debt from XXXX XXXX, which was charged off. Portfolio Recovery continues to use deceptive tactics to collect debts ( as included in CFPB action against Portfolio Recovery docket number 2015-CFPB-0023 ). Portfolio Recovery has only provided statements from a creditor ( not the original creditor ) and no contract was provided. The statements are evidence of a credit, ( I credited XXXX XXXX ), statements are not sufficient to validate a debt. It is proof that a credit transaction took place but it is not evidence of a debt. See case law XXXX XXXX XXXX XXXX XXXX v XXXX. I am also demanding an audit trail for this alleged debt. As per the documents attached Portfolio Recovery acquired this debt and therefore should have in possession all documents from the beginning of this consumer credit transaction. I demand an audit trail. I demand this account to be deleted from my consumer credit file with XXXX, XXXX and XXXX, this debt was not validated by me and I did not opt in with Portfolio Recovery to share any information. If you have documentation that I opted in with your company to share any personal information, I demand documentation.
Consumer complaint received 2019-02-13
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: Conn's, Inc. (TX)

This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (MI)

The past due amount went to a creditor and I currently pay biweekly on this account, bringing my loan balance down each 14-day period. This report continues to show a delinquent amount with non-payment. I pay on time every 14 days to XXXX XXXX. Neither Kay Jeweler or XXXX XXXX  will remove this from my credit, or update the balance each time I make a payment.
Consumer complaint received 2019-02-12
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. (TX)

After that I discovered that there was a XXXX XXXX XXXX credit account and addresses on my experian report that were definitely not mine and hurting my credit score, I submitted dispute by phone call to the credit bureau, and they failed to remove the false information each and every time I submit the dispute and I did that 3 times. 
I called XXXX  multiple times and confirmed with them that there is not a single bit of information in their system on my SSN. Yet the dispute results always said the creditor confirmed the information. 
The false information is not on my XXXX or XXXX reports. The results did not come with any confirmation of why it was on my report, or even the full account number so I can provide to the XXXX reps that I talk to.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was offered a promotion from Capital One bank to add a credit card to XXXX XXXX whereby I would receive a {$25.00} statement credit within 1-2 statement cycles. The dates of the promotion was XXXX. I added my capital one credit card ending in XXXX on XX/XX/XXXX. I received a confirmation email from Capital One on XX/XX/XXXX stating that they had successfully added my credit card ending in XXXX to XXXX XXXX. 

I waited 4 statement cycles and have not received the credit. I contacted customer service at Capital One on XX/XX/XXXX and spoke with a front end operator and a supervisor named XXXX ( Operator # XXXX ). He refused to honor the promotion, claiming he had no record of it, he was too lazy to bother looking it up online despite me giving him information on where to find it, and would not forward my request to the marketing department to research further. Also he would not provide me with an email address to forward a screen shot of the promotion and of my confirmation email. The supervisor was quite inept. 

The promotion in question can be viewed at the following weblink that is on Capital One Bank 's company website : https : //www.capitalone.comXXXX   Here is the info copied from the promo : " Timing The Offer begins on XX/XX/XXXX, at XXXX XXXX Eastern Time ( EST ) and ends XX/XX/XXXX at XXXX XXXX. ( EST ) ( the " Offer Period '' ). Offer is subject to cancellation at an any time ( including when the promotional funds are exhausted ). Our server is the official time-keeping device. 

The Reward The reward is a {$25.00} Capital One statement credit. Once earned, the statement credit will be automatically applied to the account associated with the Qualifying Card within one ( 1 ) to two ( 2 ) billing cycles. 

Note that statement credits lower account balance but do not count toward monthly minimum payment obligation. 

How to Earn the Reward During the Offer Period, Participants must enroll in XXXX XXXX using a Qualifying Card on a Qualified Device. ''
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX, XXXX is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$1400.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (FL)

I recently disputed XXXX XXXXXXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

I'd like to file a complaint to the Zelle account associated with the email XXXX. 

I tried to buy two tickets from his XXXX ad. The user went by XXXX XXXX and used the number XXXX. He was responsive via texting and I thought that Zelle, being tied to major bank accounts, would offer some kind of fraud protection services if this turned out to be a scam. I sent the email {$70.00} and never heard back and never received any tickets. The Zelle transaction was at XXXX MST, XX/XX/2019 with the transaction XXXX. 

URL - XXXX XXXX XXXX postID - XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Other 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: ERC (AL)

XXXX  ( XXXX XXXX ) XX/XX/XXXX I spoke with XXXX about ended my contract with them. I asked them of I owed thwn anymore money and if I did I wanted to pay it so I could end all ties with them. I was told I didn't not owe them anything bill was paid in full. I believed what they said and moved on to another phone company. After many months I got a letter saying I owed them XXXX  dollars I called and spoke with them about it and I told them what I stated above I tried to fix the situation and figure out how to resolve it even though it was on their end. They wanted nothing to do with they threatened to sue me, garnish my check, anything they had to do to get their money. I have XXXX children and Bill 's I have to pay I have tried to fix this and I need this off my credit I can't do anything with this issue.
Consumer complaint received 2019-02-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I hired an attorney to help with a modification. Me nor the attorney got a yes or no. They just foreclosed. They dual tracked. I left the attorney. And then tried to go back. He told me to stop calling he can not help or speak to me. I asked him why, and with him being so jittery i asked him if XXXX XXXX wells fargos attorneys, paid him not to represent me he said yes. What didbi expect him to do i would not listen to him. I need help with this.
Consumer complaint received 2019-02-12
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)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (NJ)

Since XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX  ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC XXXX .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing 15 U.S.C. 169Jlg ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with XXXX to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

Equifax then deleted the collection account from my credit file.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I would like a full on investigation on Caliber Home Loans, this is the second complain I will, the company has purposely and intentionally founds ways to retaliate against me. I filed a law suit in XXXX, due to the company asking for documentation sent more than once for a loan modification, XXXX XXXX filled a law suit and option a trail payment plan that would end in XX/XX/XXXX when we contact Caliber after the last payment the first point of contact stated that they denied modification due to not receiving a subordination letter from Keep Your Home California, they stared that the letter was send to my attorney back in XXXX, we including my attorney never got any subordination letter from Caliber Home Loans. I went ahead and contact Keep you Home California compliances Department and they have never seen the letter either. On XX/XX/XXXX Rep XXXX # XXXX was advised to open task for subordination letter by first point of contact. Rep XXXX # XXXX stated subordination letter was sent to XXXX XXXX on XX/XX/XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - FINAL LOAN MOD DOCS//Called Caliber and spoke to XXXX rep ID XXXX XXXX stated that the final modification is being prepared and has not been generated as of yet and will be in the next two weeks and will be sent to our office. As soon as we have received the docs we will forward to you immediately for signature.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2019, I had a lender do a credit check for a house rental. The lender sent me an adverse letter stating a credit score that can not be justified by the Experian. I spoke with 2 representatives on XX/XX/2019 who declined to advise why they are reporting my credit score is reporting lower than what they are providing. Experian has refused to provide me with accurate information about my credit score and my credit reporting that is hindering my ability to find a new house. I have demanded that they provide me with accurate information consistent with the Fair Credit Reporting Act. And they have failed to provide me with accurate information about my credit reporting.
Consumer complaint received 2019-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Entered into monthly payment arrangement to have all Private Sallie Mae tuition answer loans payed. Payments were not allocated across all accounts as agreed to and accounts were defaulted to do servicing error by Sallie Mae who is now Navient. Was unable to rectify over an 18 month period.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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