davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WY)

I cancelled internet service with XXXX as they did not have customer service for deaf customers and their internet service failed to my home. Their response was always " call us '' but they did not have TTY and I am deaf. I was billed for several months where clearly I did not have service and thus XXXX failed to meet the minimum contract service requirements. XXXX eventually agreed not to charge me for their failed service, however I have now received an offer from Convergent to reduce the {$190.00} that I do not owe to {$130.00}. 

This is a fraudulent attempt to collect a debt that was discharged by XXXX and which resulted in a number of complaints against XXXX by Colorado customers with similar complaint histories as mine. I NEVER owed CenturyLink as they were notified that I cancelled internet service and continued to bill me after I cancelled service in violation of Colorado law and contract law. Convergent is committing XXXX   by attempting to coerce payment for a " zombie '' debt that XXXX has clearly XXXX from their accounting books.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CO)

I was declined by a Chase Credit card on XX/XX/XXXX after calling the credit card to ensure that I would not be denied due to a prior bankruptcy. The agent told me although it would be considered, it would not be the only factor considered. After being denied, I called Chase and spoke with 4 different agents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Each agent gave me a different answer with two saying that I was declined due to having very little credit history on my credit report. I pulled my credit report and found that XXXX  XXXX was reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/XXXX ) ; no usage ( I have used the card every month since XX/XX/XXXX ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing and I filed a complaint with the credit bureau and it was subsequently corrected. However, despite the fact they found the recording of the agent telling me I should apply and would not be denied due to the bankruptcy XXXX  7 years ago and that another agent said I was denied due to no credit history, which was reported incorrectly by my credit card, XXXX XXXX, and is now corrected, they will not extend credit, even a prepaid card. Additionally, I explained that the bankruptcy was caused by my now ex-husband 's investment in real estate and the fall of real estate values in XXXX. Personally, all of my bills are paid and I have no debt. I believe they are unfairly discriminating against me because I am an XXXX XXXX over 50 years old, rather than looking at my financial situation and my demonstrated payment of all my debts after I divorced my ex-husband who still does not pay his bills.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the Enhanced Recovery Company , LLC ( Original Creditor : XXXX  still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
Enhanced Recovery Company , LLC ( Original Creditor : XXXX XXXX XXXX Opened Date : XX/XX/2021 Balance : {$140.00}
Consumer complaint received 2018-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are 2 credit inquiries on my XXXX credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with XXXX and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to XXXX to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
Consumer complaint received 2019-04-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (FL)

This past week I received a letter from real time resolutions, dated XX/XX/2019, showing that I have 3 options to chose from in order to work towards clearing a second lien on my current property. That lien was never officially noticed to me through the courts. Their options are ( 1 ) a temporary payment arrangement, paying over {$800.00} over the span of a year, then the previous (? ) arrangement will resume in effect ( no indication what that was ), ( 2 ) resolution - payoff one lump sum ( $ 16K+ ) that's 1 % reduction from amount owed ( full ), ( 3 ) short sale. Real time cost me my previous attempt to re-fi a couple of months ago. Knowing they did not pay full amount for the aledged debt, pennies on the dollar. Now I am still attempting to re-fi and that is all they want to do. On XX/XX/2019, at approximately XXXX, I spoke with one of their customer service ( XXXX ) representatives, who identified himself as XXXX  ( sp? ). He indicated that the company would take no less than the $ XXXX owed (? ). I offered $ XXXX. He stated no. I told him we were done.
Consumer complaint received 2019-04-20
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. (VA)

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX XXXX ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX/ XXXX Please block the above accounts.
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Tranunion failed to dispute information for Consumer validation of debt with XXXX XXXX reviewed the following letter of initial contact from a debt buyer with inaccurate address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  consumer never lives in that city or state Error number two bill submitted to XXXX with inaccurate address which the letter stated by XXXX XXXX upon purchase this Debt verified information with the original creditor. XXXX Violated 15USC 6082release of information to XXXX without written consent from the consumer personal information. Consumer obtained these letter from dispute through CFPB
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they 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 consent.
Consumer complaint received 2019-04-20
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. (IL)

On XX/XX/2019 I submitted an online dispute through Transunion regarding late payments being reported for two of my XXXX XXXX Credit Card accounts. I received and email today from Transunion stating that my dispute was complete and both these accounts were deleted from my credit report. I spoke to Transunion regarding the error and they acknowledged the dispute was for late payments and said that the reason why it was deleted was because the Creditor failed to respond. which is not true because I have a letter from XXXX XXXX stating that they will be reporting to all the CRA 's to  remove the history of late payments.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the information I recently discovered on my XXXX XXXX account. It has come to my attention that XXXX XXXX XXXX is reporting on my Experian credit report, and despite my attempts to reach out to XXXX, I have not received any response or resolution regarding this matter. 

Upon reviewing my XXXX XXXX account on XX/XX/2023, I noticed the presence of XXXX XXXX XXXX as a reported account on my Experian credit report. I was taken by surprise as I have no knowledge of any business or financial transactions with XXXX XXXX XXXX. The reporting of this account is not only inaccurate but has the potential to negatively impact my creditworthiness and financial standing. 

To address this issue, I promptly contacted Experian via phone on XX/XX/2023, to dispute the reported account and seek further information and clarification. However, to my dismay, I have not received any response or acknowledgment from Experian regarding my dispute. The lack of communication and resolution from Experian is highly concerning and has left me in a state of uncertainty and frustration. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in this matter. I kindly request that you investigate this dispute between myself, Experian, and XXXX XXXX XXXX to ensure that the reporting is accurate and to rectify any potential errors or misinformation that may be present on my credit report. 

Enclosed with this letter, please find copies of relevant documents, including my XXXX XXXX account information reflecting the reported account from XXXX XXXX XXXX I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and work diligently to resolve this matter. It is of utmost importance to me that the accuracy of my credit report is upheld and that any incorrect information is rectified promptly. 

I kindly request that you keep me informed about the progress of this complaint and provide me with updates regarding any actions taken or resolutions reached. 

Thank you for your attention to this complaint. I appreciate your efforts in ensuring fair and accurate credit reporting for consumers.
Consumer complaint received 2019-04-20
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. (SC)

I just received another can letter from your company stating that you already verified the account listed below. Ive already stated that Ive been a victim of identity theft. How can you verify a fraudulent account. Please review my documents and remove these accounts immediately.
Consumer complaint received 2022-07-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are list below, 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 XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TD XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (AZ)

A company by the name of Phoenix Financial Services is trying to re-age a debt of mine, for {$1000.00}, initially under the XXXX XXXX collections. The original date for the account was XX/XX/XXXX. Phoenix Financial Services is reporting that the debt is from XXXX. Attempts to get them to correct it have gone unnoticed. My husband had the same thing happen with a medical debt from a different year, also originally with XXXX XXXX, and they're attempting to re-age that as well. His is from XXXX, in the amount of {$120.00}, which we are aware would still be reflected on his credit, however they're listing the debt as from XXXX like mine on his reports, which would extend it yet another 7 years.
Consumer complaint received 2019-04-20
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. (FL)

I disputed a fraud inquiries on my credit file and the status said it was deleted some how the information stay on my credit file and it hasnt been removed after the fact that the dispute saying deleted confirmation numbers are XXXX and XXXX and XXXX
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LTD Financial Services, L.P. (DC)

On XX/XX/XXXX, I returned to work from a meeting and the front office receptionist said I had a missed a call from a woman who would not leave a message with her OR on my voicemail. She gave me a phone number : XXXX. I was on my way to another meeting so I couldnt get the full report of what was said, but the woman on the line refused to say where she was calling from and my receptionist implied that it was a debt collector which is embarrassing. Further, I don't owe any debts, so it must be inaccurate. My ID was stolen earlier in the year, and although I was able to recoup my losses from my bank, there are residual effects of my ID being available for all kinds of scams ; I assume this is from that. 

However, later today the woman called again to my direct line at work. She asked me to verify personal information and I refused because she would not tell me where she was calling from or why. She got increasingly aggressive. Ultimately, I told her that this was a business and if there is a personal or financial issue with me she can not reach me on a business line. About 10 minutes later she called again. 

It is extremely unprofessional for me to be placed in a situation where I could have a debt collector call my office multiple times a day. It is also not allowed after they have been told by an employer that employees can not receive these kinds of calls at work. Further, since she would not identify herself, it is unclear if this is a real claim of any kind or a scam. 

I looked up the number online, and it seems to belong to LTD Financial Services which has been sued before for bad business practices.
Consumer complaint received 2019-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Mid XX/XX/2018 Trans Union in one day took 38 points off my score. I have tried several times to find the reason they took off the 38 points and Trans Union has no reason why the large number of points were taken off in one day. I can understand why a small amount of points might shift, but 38 points without any reason is not fair. I have never been late on a payment and my 25 % utilization rate is good. 
Give me back my 38 points!
Consumer complaint received 2019-04-20
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: BARCLAYS BANK DELAWARE (FL)

XXXX Hard Inquires XXXX XXXX XXXX , XXXX XXXX Fraud No action has been taken request removal I did not Authorize Brclysbankde  Hard Inquires XXXX XXXX , XXXX    XXXX XXXX Fraud No action has been taken request removal I did not Authorize XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX Fraud No action has been taken request removal I did not Authorize
Consumer complaint received 2018-08-13
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: RateGenius Loan Services Inc (NC)

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application
Consumer complaint received 2022-09-10
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( Experian, XXXX XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored