davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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: CITIBANK, N.A. (VA)

XXXX, I charged off several accounts with XXXX in XXXX. The company stopped reporting my accounts as charge offs to the credit bureaus in XX/XX/XXXX. However, XXXX started back reporting my accounts as charge offs in XX/XX/XXXX. Also, started reporting duplicate accounts to the credit bureaus in XX/XX/XXXX ; which caused my credit score to drop by over a 100 points. 

I spoke with XXXX XXXX ( XX/XX/XXXX ) Sr Liaison, Credit Executive Office for XXXX XXXX XXXX XXXX XXXX stated, she would address the problems and their actions may have contributed to my scores dropping. 

As of today, the problem still hasnt been fixed. I have duplicate accounts being reported as charge offs and XXXX still reporting my accounts as charge offs from XXXX.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Consumer complaint received 2020-07-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2018-06-06
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. (NC)

I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax reports massive hack which includes the " loss '' of my personal data to who knows who or for what purpose. I have had to freeze all my credit due to this which has made my car buying experience impossible, as you can imagine.
I will not sign up with their monitoring service as I do not trust this company at all. They reported on me for years. 
Who is going to take care of the report on them for thus egregious and appalling crime. 
Thank you, XXXX XXXX
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (AZ)

The alpine credit agency falsely linked another persons debt to my ssn. I called the credit agency in XXXX and they would not help me because they said they verified it was me. I obtained the medical centers information where the bill was done in Colorado and spoke to the billing office. They confirmed they did not have an ssn on file for the person XXXX XXXX and it wouldnt be identity theft because my social wasnt given either. Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XX/XX/XXXX date of service for XXXX XXXX per XXXX? financial XXXX at phone number XXXX m-f XXXX. I have never lived in or visited Colorado, my name is not XXXX XXXX. I did send my id with my address and name and a letter to XXXX and they intitally removed it but recently readded as they said the credit agency verified it was me. This is harming my credit and I am in the middle of trying to get a loan and this is extremely detrimental and frustrating as the collection agency has been so rude and wont take accountability for making a mistake.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.
Consumer complaint received 2020-10-09
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. (NJ)

i called XXXX and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

i filed a complaint with you all and recieved everthing i didnt ask for with PRA they sent me 2 old stements ive never seen with 2 totally different amts owed this isnt the orignal contract to prove i owe thid debt
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NJ)

THIS COMPANY HAS REPORTED ME TO THE CREDIT BUREAU WITHOUT 1- I HAVE NO KNOWLEDGE OF THIS DEBT THEY DID NOT SEND ME A WRITTEN NOTICE OF THE ALLEGED DEBT SO I CAN DETERMINE WHETHER OR NOT IT IS VALID. 
2- I DON'T KNOW WHY IT WAS REPORTED TO THE CREDIT BUREAU
Consumer complaint received 2024-02-20
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. (GA)

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1300.00} XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  Balance : {$740.00} Discharged XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (MO)

I disputed a charge in writing to Spectrum/Charter on XX/XX/2021. I had cancelled services and the charge was for a period of service in which I had none. They turned me over to XXXX XXXX XXXX XXXX XXXX for {$200.00}. Their letter said I had until XX/XX/XXXX to dispute the charge. I sent a certified letter disputing the charge on XX/XX/2021. I never heard back from them. Having never dealt with a credit company, I figured the issue was closed. 

Then, on XX/XX/2021 I happened to look at my FICO score through my bank and noticed it dropped from XXXX to XXXX. Running my credit report through XXXX  I saw a negative report from The CBE Group Inc. I have never heard of them. I was never sent anything in writing and did not receive any phone calls, emails, etc. Apparently, they've had my account since XX/XX/2021. 

Although I still dispute the charge, I would have paid it to avoid ruining my credit had I been notified. I tried calling them today and their number is no longer in service.
Consumer complaint received 2018-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX I mailed my XXXX XXXX XXXX XXXX, OMB No.XXXX to Navient. I was very distressed that when I called to check on the application they said it had not been received. For an entire year I have waited for them to process and I asked them to check the files. I did not receive any answer. In hope of resolving this I went on their website and saw a tab for their Consumer Advocate that was supposed to provide support but it was inoperable. I wrote them a letter on XX/XX/XXXX expressing my frustration at the handling of my case and stated that I would be reporting this to the proper consumer agency. It was my understanding that once the application was received that my payments would be suspended. I have continued to pay {$96.00} for 12 going on 13 months for a total of {$1200.00}. In the meantime I have tried to obtain a copy of the signed form and my school administration did not retain a copy, so I have submitted another request from them. Please help me with this problem. My loan number is XXXX and my maiden name is XXXX which is still on the account.
Consumer complaint received 2018-02-02
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: Account Resolution Corporation (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NV)

I have an unverified account from THE CBE GROUP , INC . I had previously disputed this account. I have never done business with THE CBE GROUP , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE CBE GROUP, INC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that THE CBE GROUP, INC Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Consumer complaint received 2018-01-26
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. (TX)

CFPB, per our past attempts to correct Experian 's non sense, non compliance with the FCRA and their willful non compliance to the FDCPA regarding inquiries that we did not approve of nor did we give anyone at XXXX XXXX or anyone else for that matter approval to check my credit report for any reason, and after contacting XXXX   XXXX and they responding with advice to put a credit alert on my reports which I have done, to insure no one checks unauthorized my reports, I've noticed that Experian continues their practice of non compliance to state and federal law. 
This problem needs to be dealt with more harshly because of Experians non compliance with these laws, because as of today XX/XX/ they have done nothing to remove these inquiries that I did not approve of. They haven't shown one shred of evidence that I or anyone in my house approved anyone to look into my credit report, not one shred of evidence, not one signature, not one contract, no nothing and yet they still insist on lying to me and to you concerning this matter. Therefore, we are requesting a strong investigation into the practices of Experian.
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all. 
Thank you for your time.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX. 
Those dates are reporting on my account as being late but they werent and when I spoke with the company they assured me they would be updated in XXXX or XX/XX/XXXX, they were not, I spoke with someone else in XXXX and they said they cant be updated after theyve been put in. Im disputing that they were paid late and would like my account to reflect that. The account has since been paid off, but I still want the information to reflect the on time payment history.
Consumer complaint received 2018-06-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (NV)

I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have been mailing in regular payments for about 4 years based on the payment coupons that were sent to me. The loan payments were for 2 loans in active repayment. Navient seems to have acquired additional old closed and charged off debt and has been redistributing my payments to the other accounts causing my active accounts to become delinquent. I was not aware of this until recently when I created an online account in order to request an unemployment deferment. This appears to have started around a year ago. I have submitted an online complaint to Navient and the problem has not been addressed or corrected.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 my billing period ended for my Citi Double Cash Card. I had Cash Rewards accrued in the amount of {$63.00} which I redeemed for a Rewards check to be sent to my mailing address. However, I did not receive the check and approximately 3 weeks later, called the company to resolve the issue. They said I would instead receive a direct deposit against my credit card in the amount in question. However, a week later I received a letter stating that they are unable to stop payment on a check and reapply the credit on my account, and that a rewards check would be sent to my mailing address. I again called the company, and they stated a direct deposit would be coming. However, I again received the same exact letter, and am frustrated by the experience.