davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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. (OH)

I sent in a dispute letter to remove unauthorized inquiries. I included a fruad report, my id and social along with a utility bill to match my current address. Inquiries are still showing on my report and I havent been contacted after the 30 day mark. I sent out letters on XX/XX/2022.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 Convergent has been sending me debt collection letters.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-10
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. (AZ)

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. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bread Financial Holdings, Inc. (CO)

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the XXXX business day time frame of reporting the debt on XX/XX/XXXX. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account Name U.S DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
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. (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On Experien, XXXX, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (WI)

This was from an old credit card debt. At the time it was going bad, I did n't have monies to pay it off. They took it to court and I was given a judgement on it, and now I must pay it off to get a home for my family.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Sent a letter to Experian on the XXXX of XXXX they received it on the XX/XX/XXXX at XXXX, Experian is not responding to me in a timely manner to fix this error on my account. There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway. 

This is in reference to the XXXX account
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (AR)

I have an FHA mortgage with Midland Mortgage and utilized the Covid relief program. I also applied for assistance with federal funding through the Arkansas homeowner assistance program. I was approved in XX/XX/XXXX and advised the mortgage company. After numerous calls to the servicer, they found the document dated XXXX in XXXX to authorize wire transfer of funds. XX/XX/XXXX transfer of {$16000.00} was made to the servicer. On XX/XX/XXXX, the servicer reported an increase to my mortgage balance of {$11000.00} to the credit bureaus. After numerous calls and emails the servicer finally " found '' the funds on XX/XX/XXXX. Those funds have just begun to get allocated to my mortgage on XX/XX/XXXX. I filed a dispute about the credit reporting with XXXX, but they verified the posting as accurate. Numerous requests to the servicer to correct credit reporting or explain fees added to the mortgage have gone unanswered. My mortgage payment has been increased due to an escrow shortage, which by their own mortgage statement should not exist. It appears a mortgage payment in that amount is expected on XX/XX/XXXX. I received certified letters on XX/XX/XXXX about foreclosure proceedings.
Consumer complaint received 2022-02-26
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED
Consumer complaint received 2022-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!
Consumer complaint received 2022-02-26
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020, with follow ups disputes each month and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible. 

I SENT A POLICY REPORT AND THIS COMPANY IGNORED
Consumer complaint received 2018-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (VA)

Before I applied for this loan, it was advertised that if I log into the mobile app everyday that I will not be charged a membership fee. It says thats the fee is usually {$29.00} a month but for logging in everyday the fee will me {$0.00} a month. After contacting customer service, I was told another story that was never explained before accepting this me loan. Once I reached out, I was told that I would be charged my loan payment every pay date and then a {$36.00} membership fee that will apply {$50.00} a month to my investment account, leaving the remaining {$29.00} to go towards my membership fee but logging into the app each day actually just makes it so that a dollar a day goes towards that same investment account instead of me paying {$0.00} for a membership fee as it advertised. I would have never known this information if I never reached out to the company about this so I feel as though this was very deceptive. I was told that there was nothing they could do because since I have the loan Im obligated to pay these fees until the loan is paid in full but I would have never agreed to this loan if I had the correct details in the first place. I have the screenshots that show how the loan is actually advertised but nowhere does it break down the actual process of the loan and the fees the way the agent I spoke with broke it down to me. It literally just says the membership fee is {$0.00} a month if you log in to the account every day, which I did. Ive never felt so deceived by a loan company in my life and even when speaking with the agent that explained it to me, he also agreed with me that the website does not accurately explain the way the loan really works so to me it seems like a very shady way to get people to get stuck into the the loan and have these fees come out of their checking accounts every single paycheck, thinking that the process would be different.
Consumer complaint received 2022-12-05
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-14
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: PENTAGON FEDERAL CREDIT UNION (CA)

PentFed Credit Union has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Credit & Collection Corporation (ID)

To XXXX XXXX XXXX file # XXXX This is a time barred debt. 
I have filed several complaints about several companies since XX/XX/2016 starting with XXXX XXXX XXXX in Texas Case # XXXX. Here is a list : 1. XXXX XXXX XXXX after they said they would cease collection who then turned it over to 2. XXXX also in Texas Case # XXXX also who agreed to cease collection and return it back to XXXX. 
Recently a barrage of agencies have been contacting me starting with XXXX XXXX Case # XXXX which could not be located. 
At the same time I had mail from an agency, XXXX  in Washington State, and calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all claiming to be collection on this same XXXX XXXX  Time barred Debt which XXXX XXXX wrote off a decade ago. 
It does not appear on any of my Credit reports which I monitor regularly. 
XXXX, XXXX and XXXX all ceased attempting collection when I confronted them with the status. 
XXXX XXXX XXXX ( calling me from XXXX ) you are only the latest in a line of agencies that have lied, connived, threatened and continue to attempt to collect a debt that XXXX XXXX  themselves wrote off. It is time barred, considered un-collectible. 
It is not on my credit reports. 
Stop calling me.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

BLITT and Gaines , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Has been sending me a collection notice balance {$1600.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
Consumer complaint received 2021-04-14
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. (PA)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX /  XXXX XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.