davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

I was contacted by a debt collector, The CBE Group Inc, hired by XXXX XXXX ( XXXX ) about an outstanding debt in my name. The outstanding debt currently listed on XXXX XXXX as being owed to this collector is {$650.00}. I had no account with XXXX  at the time the debt was incurred, and I have emails confirming the cancellation of the only account I ever had with them years before this fraudulent account was opened. When I was contacted by the collector, we quickly determined that someone had opened an account with my name and birth date at an address I have never resided at, in a city I have never resided in. The representative said that they placed a fraud alert on the account, and gently recommended with minimal urgency, but did not insist, that I call XXXX XXXX customer service department and report the fraud. I did not contact XXXX. 

The CBE Group Inc. has since moved forward with direct action against me by reporting this debt to the credit agencies and placing a derogatory mark on my credit history, resulting in egregious deductions of XXXX points from my credit scores. 

I feel that this warrants a complaint to the CFPB due to the fact that The CBE Group Inc. has access to all of the relevant information that would enable them to determine beyond a shadow of a doubt that this debt does not belong to me, as well as the fact that their representative and I had already come to the conclusion together that this is a fraudulent account. I believe that this action against me is in violation of the Fair Debt Collection Practices Act since I disputed the debt directly to the collector, the dispute was acknowledged, and not only was I pursued further, but I have had extremely damaging action taken against me by this agency. I argue that this is, at the very least, a blatant failure to investigate. 

Since notice of the derogatory mark, I have since filed a formal dispute through XXXX and am awaiting their evaluation. 

I will not be attaching any documentation. If these companies do not have the documentation necessary to dispute what I claim, then they lack the documentation necessary to have taken these actions against me in the first place.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (WI)

Starting XXXX I was getting charges from Google XXXX XXXX  from Google on credit cards. I reported fraud. Then identity theft. They allowed 171 transactions for {$3300.00} total run through the XXXX XXXX and was not me. I was hacked. I have proof on recording from XXXX I have no account! They processed a few refunds then stopped. I have already sent tons of evidence and they say they will not help. End all conversations and refuse to help. XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

In XX/XX/XXXX, I began the home buying process. On XX/XX/XXXX, I was informed by the loan officer that everything was clear, and we were set to close on XX/XX/XXXX, on the house I had been living in ( lease-purchasing agreement ) since XX/XX/XXXX. Also, I received my closing disclosure prior to closing and was informed of my mortgage. On XX/XX/XXXX, as I was getting dressed to go to closing, I received a phone call an hour before closing and was informed by the loan officer that the closing time would be pushed back to the afternoon. Later, I was informed that the date would change because the old underwriter was out of town and the new underwriter wanted to talk to the old underwriter. An email was sent to all real estate agents involved that the date would be moved to next week due to an internal error ( Regions XXXX  fault ) and NOT the buyer 's fault. I informed the loan officer that this would not work, we were going to be put out and would not have a place to stay if we did not close on today and I had been telling him that throughout the home buying process. Due to the closing date change, the seller was able to get out of the contract and the seller did not show up for closing on XX/XX/XXXX, because ( per seller ) she can now get more money for her house since Regions didn't meet the closing contract date. My family and I received an eviction notice and the seller gave us 14-days to find housing. A family of XXXX had to move into a 2 bedroom/1 bath apartment because we had exhausted our monies, buying moving items, securing storage, paying deposits and etc. We were evicted from the home and lost the sale of the house we lived in for a year due to Regions XXXX  Negligence. My children who are all XXXX  were uprooted from their routine and everything was hard to readjust for them. My daughter had to cancel her XXXX birthday pool party, and losing housing caused a strain on the entire family unit and we had to seek counseling.
Consumer complaint received 2022-04-27
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. (WA)

Last year I discovered a false account with US DEPT ED and US DOEXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2019-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP (CA)

In or about XX/XX/XXXX, we hired XXXX XXXX & XXXX, XXXX ( " XXXX & XXXX '' ) to assist us with recovering XXXX XXXX XXXX Working Capital rendered to XXXX XXXX aka XXXX XXXX , XXXX. ( " XXXX '' ) in the amount of {>= $1,000,000}. We agreed to secure XXXX & XXXX XXXX Attorney fees in the amount of {$200000.00} with a Trust Deed on XXXX XXXX, XXXX XXXX, CA Land on XX/XX/XXXX aka XXXX & XXXX Claim No. : 1. On XX/XX/XXXX, the XXXX XXXX County Superior Court of California entered the Settlement Agreement stipulating XXXX pay us {$260000.00} in settlement. In or about XX/XX/XXXX, upon receipt of the XXXX {$260000.00} settlement payment, we assigned the {$260000.00} funds to XXXX & XXXX for satisfying XXXX & XXXX  Claim No. : 1. Subsequent to filing our Voluntary Petition Case No. : XXXX with the U.S. Bankruptcy Court of the XXXX District of California on XX/XX/XXXX, XXXX XXXX & XXXX , XXXX formerly know as XXXX XXXX & XXXX, XXXX ( " XXXX '' ) sued us for {$570000.00} as XXXX  & XXXX  Claim No. : 2 on the Claims Register. While processing multilateral [ global ] settlements with the Trustee, XXXX has been threatening us with foreclosure attempts on our temporary offices and our home.
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, This is my third time filing this complaint about Experian. I have recently been informed that there is negative information reported in the file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see a negative entry for XXXX XXXX on account # XXXX. 

Experian claims they contacted the data furnisher to verify the accuracy of the information with which I disagree. Experian further claims the data furnisher has verified the accuracy of the disputed information and the results summary was sent to me, XX/XX/XXXX, for review. 

Please do not base your decision on a previous investigation. I have attached pertinent information supporting my request! I am enclosing an official statement on company letterhead from XXXX XXXX XXXX dated XX/XX/XXXX indicating account # XXXX has been paid in full and should be removed from my credit profile immediately. Whatever investigation Experian conducted before is null. 

Once again, I challenge the accuracy, compliance and reportability of this listing. I implore you to have Experian validate this information with the original creditor and provide me with copies of any documentation associated with this account. 

I formally request that this information be immediately deleted from the credit file maintained under my Social Security number. Please do not allow Experian to continue reporting this inaccuracy. This is against the law! 

Your prompt attention to this matter is greatly appreciated, XXXX XXXX
Consumer complaint received 2019-08-10
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. (IL)

Experian reported medical bills to my Experian credit report, so i sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTACTS WITH SIGNATURES like i asked. Please help. Attached are the dispute letters i sent to XXXX and the bills and response letter they sent me.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

On XX/XX/2021, a deposit was made to my account at Credit Karma, in the amount of {$30000.00}. Since that day, my account has been locked down, with no reason given for the lock down. I have no access to my funds.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (TN)

I asked Experian to investigate accounts on my credit report from US Dept of Education and Experian failed to properly investigate the information or send me validation of the information that they were provided. Experian completed the investigation within 24 hours which is a clear sign that they did not investigate what I asked them to. At this point Experian is violating the FCRA by reporting information from the US Dept of Education because Experian did not properly conduct an investigation.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (FL)

I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.
Consumer complaint received 2019-08-10
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: FACTUAL DATA CORP. (FL)

XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

comenity bank in Violation Of American Disability Act and The Fair Credit Act close my credit card with no warning and affect my credit score. In addition the allegations is the I have to many credits inquiry. But they are discriminating against my XXXX, my race and age. I need for CFPB to submit my complain to the OCC, THE FEDERAL TRADE CONSIDERACION AND ALL OTHER FEDERAL AGENCIES INCLUDING BUT NOT LIMITED TO THE UNITED STATES OF AMERICA DEPARTMENT OF JUSTICE. AND I NEED A COMPETITION From Comenity Bank for the amount {$340000.00} do to the fact that I was going to buy a house and my credit score is below 600 because of the closure Comenity Bank Trade Line. This Request Is In good faith. If I don't get results I will not hesitate to go to the Federal Court. And Submit Lawsuit against Comenity Bank. 

Att : XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX I have disputed this account multiple times it has been more tha 90 days and the account was not removed even tho I claimed identity theft with FTC and iam federally protected consumer all companies involved are now in violation of the fair cares act law 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

USDOE/XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$10000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$10000.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-04-27
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. (CA)

The Credit Bureaus stated ( XXXX XXXX Account number:XXXX ) ( XXXX XXXX Account numberXXXX ) ( XXXX Account number XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX XXXX, was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I Have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-08-10
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. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-12-06
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. (TX)

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX  XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Consumer complaint received 2020-09-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

I have been trying to save my home for months now and the only excuse I got was they never got my request and then I had my counselor help me but they continued to give me the run around. They didn't even want to open the review. He opened an escalation as the Office of the President with Wells Fargo and had XXXX XXXX assigned to find out what was going on. Well XXXX  was no help! We kept asking for a phone call and no one called. Anyone can write down on their notes and say they called but no voicemails were left or anything. They have also let my documents expire and I have to continuously submit new documents.
Consumer complaint received 2019-08-10
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: JPMORGAN CHASE & CO. (FL)

I was told by jpmcb that I have no open accounts with them and no applications with them and they have done no inquiries on me. I am to call back on Monday XX/XX/19 for them to connect me with there credit bureau department for further investigation when that department is open.
Consumer complaint received 2022-04-27
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc (MO)

MCA Management ( XXXX XXXX XXXX  XXXX, XXXX  XXXX MO XXXX ) has an incorrect collection on my XXXX  credit report. I was never contacted by MCA, I've never talked to MCA about this {$750.00}.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

In my mortgage application ( separate ), I noticed an account with Citi that I did not recognize and could not locate. 

I called on XX/XX/2019 and it took me about 30 minutes to get on the line with a representative. The call was unclear, but what was clear was the incompetence of the representative as he just sent me back to the automated messenger. 

I called again XX/XX/2019 and got in touch with a representative who was slightly more competent and could not identify an account with using my name, social security number, or the partial account number. 

As far as I know the card does not belong to me and I would like it removed from my account so that it does not influence my mortgage or credit.