davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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)

In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (VA)

I have email on XXXX XX/XX/2022 that XXXX XXXX XXXX Hudson valley charging me debt collection of {$26000.00} to settlement price {$9700.00}. it has somebody else surname on collection report. That's not me. My address is wrong too. when i talked to person on phone he could not pull up my record first and then said you collection would be {$14000.00} something for paid off.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (VA)

The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Has contacted my husband repeatedly after my request for them not to/ and my husbands request to them not to contact him Portfolio Recovery offered a debt settlement and I accepted via mail and sent two checks to them post dated for XX/XX/XXXX. Portfolio Recovery attempted to cash one check on XX/XX/XXXX which resulted in a overdraft fee to my checking account / on Friday of the same week Portfolio Recovery returned my other check and stated then that they do not accept post dated checks. A stipulation not in the original agreement. The second check and both payments for the two accounts were rejected by Portfolio Recovery. They resended the debt settlement offer. They have insisted to have direct access to my checking account upon which I have refused. In turn I asked to set up a payment plan in writing asa formal agreement from them to me so I could settle my debt. They rejected my offer to pay them via an agreement that did not include my permission to them to access my checking account. They would not take any other form of payment other than a direct bank draft.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

Discrimination from XXXX XXXX after i was already approved completely rude offensive they approved me I made plans next day he rejected and hungup phone called me a XXXX CIT Financing External Inbox XXXX, XXXX XXXX XXXX XXXX  ( XXXX hours ago ) to me English Spanish Translate message Turn off for : English Good morning Thank you for signing your contract. After careful review and consideration, we are unable to proceed with your application. You will receive a letter in the mail within 30 days that explains things in more detail. Thank you for your time. 

XXXX XXXX XXXX  XXXX O : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (OR)

On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX. 

Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again. 

On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application. 

I recently had major XXXX  XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX  issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up. 

I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.
Consumer complaint received 2023-02-06
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. (IN)

According to the law, USC 1681, and USC 1681s2 That I have the right to privacy, and that I did not give authorization for this information to be put on my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit reporting Act XXXX XXXX, XXXX 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 an account with my written instruction.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Certified Mail # Attn XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all the above disclosures required by the XXXX 

Yours Truly XXXX, XXXX ( All Rights Reserved ) XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX
Consumer complaint received 2020-07-10
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. (OH)

First, I would like to complain that Equifax is hindering my ability to dispute XXXX XXXX XXXX account online because Equifax has continuously placed the account in " reinvestigation '' status when the account is not in investigation to hinder my ability to request an investigation online ( see attached ). Second, on XX/XX/2020, I sent Equifax a dispute letter ( attached ) to request them to remove a fraudulent account from my credit file in accordance to section 605B of the Fair Credit Reporting Act. On XX/XX/2020, I received Equifax 's dispute results and Equifax states the account was verified and the account belong to me ( attached ). In addition, Equifax reports that the account is open on my credit file when the account is closed to due fraud. XX/XX/2020, I received notification from XXXX XXXX that the account is closed and that they have not reported or furnished any information to Equifax since the account was closed. 

Equifax refused to report accurate information that the account is closed and also refused to block the fraudulent information and update my credit file within four business days of receipt of this letter according to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. This issue has affected my ability to obtain credit and I would like to attempt resolve this issue immediately before filing a lawsuit against Equifax.
Consumer complaint received 2022-01-07
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. (MO)

On XXXX XXXX I received my dispute results from Experian. Experian stated during their reinvestigation on the XXXX XXXX  XXXX XXXX and XXXX XXXX, they only contacted the company. Pursuant to ( 15 USC 1681a ( e ) ) Experian is in violation of the FCRA in regards to how they was suppose to investigate my disputes. Also, I never gave Experian Permissible purpose ( 15 USC 1681b ) ) to report such information. Please help me rectify this matter.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After filing a claim with Bank of America for my stolen EDD card, I was issued a temporary credit to the account and then it was made permanent when they finished their investigation. Then when the CA EDD did a fraud overhaul they closed my account pending and identity verification, which was successful and the account was reopened. Despite the fact that the EDD verified my account, Bank of America retroactively reversed the " permanent '' credit and it has left me with a negative balance for over a month and the inability to pay my bills. The banks claims department- which is impossible to get through to- told me to send them a letter or fax convincing them that the fraud was real, even though they completed their investigation and came to that conclusion themselves already. 

They are not following the timelines as stated in the fraud liability protections and therefore have illegally taken almost {$10000.00} from me with no timeframe or defined course of action to take or that is in place to resolve the issue.
Consumer complaint received 2018-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You
Consumer complaint received 2021-07-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft USAA FEDERAL SAVINGS B Account Number : XXXX This is not mine.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

It has taken years to find out how/where to pursue this complaint. 1997 I had this loan server Ocwen. They had not cashed my payments for three months and were attempting foreclosure I had just had XXXX to stop it I filed bankruptcy. Ocwen took me back to court three times during I had receipts that showed payments were never late and their claims were false. I hired an attorney Ocwen refused to speak with my legal representatives. Ocwen blocked 3 Refi attempts by not providing timely docs. I received notice of additional money owed at end of bankruptcy Ocwen had been charging ( Thru 6mo after b/r ) fees that " prepetition payments '' " alt payment '' " partial suspense '' etc I was told these were charges added because of extra paperwork from bankruptcy but continued until I refinanced away from Ocwen. During Refi as docs were being processed Ocwen increased dollars and escrow covered increases to make loan clear. Exigent circumstances. A year later I received an overpayment for same increase sum. Ocwen was rude, unprofessional, harassing, refused to acknowledge communications and I believe Ocwen took additional fees under cover of bankruptcy and subsequent closing process. Ocwen represented the worst in mortgages as they blocked all attempts to discuss my concerns or credibility to their docs.
Consumer complaint received 2017-09-14
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (TN)

I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. 

As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. 

Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.
Consumer complaint received 2020-11-04
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. (CA)

I recently reviewed my credit report and found a collections account and multiple inquiries that do not belong to me. I have reached out to the companies involved and am not getting any sort of response. I've had enough patience waiting for them to fix the problem.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

My Identity information has previously been compromised and used to open several accounts and inquiries without my permission. These are just some if the accounts that were opened in which I do n't recognize. 

National Credit Systems- XXXX XXXX Apartments Date Opened- XXXX/XXXX/XXXX amount owed- XXXX This a Fraudulent account and I want it removed from my credit file with all three credit bureaus XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (CO)

Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with Experian, XXXX, and XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. 

The disputed accounts and their respective identifying information are as follows 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  As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. 

I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. 

- According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. 

- Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. 

Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. 


I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. 

I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. 

Thank you for your immediate attention to these serious concerns.