davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-06-28
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. (TX)

An account has been placed on my credit report that does not belong to me. I have submitted the following information to Transunion : Affidavit of forgery ID Theft Police Report State ID FTC Identity theft Report Section 605B A letter requesting this fraud be taken off of my report The account is a collection account that originated with an entity called XXXX XXXX, and is now on my report in collections with XXXX XXXX XXXX. 

My credit is frozen and fraud alert added.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MD)

I disputed four old charge off accounts with Navy Federal that are past the statue of limitations with XXXX credit bureau. XXXX upon completion of the dispute deleted the accounts. Navy Federal Credit Union reinserted the accounts in violation of FCRA after having been deleted from my credit report for months.
Consumer complaint received 2019-03-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

I have a loan with XXXX and NISSAN MOTOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NISSAN MOTOR with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure Experian is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX
Consumer complaint received 2019-03-16
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 again been the victim of identity theft someone is trying to open accounts in my name. I have my personal info out on internet websites and people use it to try and open accounts. I have notified all the companies to advise them and there have been no accounts opened. I have also made a report with the FTC and will be including it also. The following are the fraudulent inquires placed on my report : 1 )  XXXX XXXX XX/XX/2019 Experian 2 ) XXXX XXXX XX/XX/2019 Experian 3 ) XXXX XXXX XXXX XX/XX/2019 Experian 4 ) XXXX XXXX XXXX XX/XX/2019 Experian 5 ) XXXX XXXX XXXX XX/XX/2019 Experian 6 ) XXXX XXXX XXXX XX/XX/2019 Experian 7 ) XXXX XXXX XXXX XX/XX/2019 Experian 8 ) XXXX XXXX   XX/XX/2019 Experian
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX. 
{$690.00} Balance updated XX/XX/2021 XXXX
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

Dear CFPB, On XX/XX/2021, I received a vendor credit to my old Chase Southwest Rapid Rewards Visa Credit Card in the amount of {$1500.00} ( related to cancelled vacation plans due to COVID ).

I had closed that credit card approximately 18 mos. ago ( unfortunately, I do not have the full account no. to that closed card ... only the last 4 digits ).

I've tried repeatedly through phone calls and letters to Chase to track down the refund amount by providing them with all pertinent personal info. ( ss #, dob, address, phone no., copy of vendor 's reimbursement receipt, etc. ) and have them send the money to me via check. I understand that even though my credit card account is closed, Chase must by law maintain records of my old account for many years.

I have been extremely patient the past three ( 3 ) months in hoping for Chase to do the rigth thing, locate where the $ resides in their systems, and send me a check for the full credit received on my old credit card, or at a minimum, let me know a date certain by when I may expect payment. I provided Chase one last opportunity to resolve this matter via a letter dated XX/XX/2021 ( please see attached ). To date, I've received no response to that letter. 

In my discussions with the vendor, they are resolute in their position that they have properly reimbursed my card and that the reimbursement was accepted by Chase. Thus, they can not do anything further for me, or they would run the risk of making double payment. 

The ball is squarely in Chase 's court to satisfactorily resolve this matter. 

I respectfully seek your assistance in obtaining my money from Chase. 

If you require any further information, please do not hestitate to let me know. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2021-06-09
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

I am writing to address the ongoing issue with Rent Recovery 's handling of my validation request, which was initiated on XX/XX/2024. Despite the passage of time, Rent Recovery has failed to furnish the requisite documentation as per my request. Furthermore, on XX/XX/2024, I received a contract purportedly bearing my electronic signature. However, I distinctly recall signing any contracts pertaining to this matter with a pen. The inclusion of trumped-up charges in the aforementioned contract is both absurd and inaccurate. Moreover, Rent Recovery 's communication practices have been highly inconvenient, often contacting me at inopportune times. In light of these issues, I kindly request the following information from your company : 1. Can you confirm whether your company is representing the original creditor in this matter? 
2. Could Rent Recovery furnish agreements between themselves and the original creditor? 
3. I seek clarification on the Forward Flow Agreement. 
4. Please specify the nature of the debt claimed to be owed. 
5. I request an explanation and breakdown of the calculations used to determine the amount owed. 
6. Kindly provide copies of any documents demonstrating my agreement to pay the alleged debt. 
7. If applicable, I request verification or a copy of any judgment related to this matter. 
8. Kindly identify the original creditor by providing their full name and address. 
9. I request proof that the Statute of Limitations has not expired on this account. 
10. Please provide evidence of your licensing as a collection agency in the State of North Carolina. 
11. Lastly, could you provide your Bond or Insurance information? 

Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

i had my account closed due to fraud activities not related to me... .my checking account was closed and i call and was told i could withdraw my monies in person at any retail store...... NOT TRUE ... ..at the retal store i was told they were going to send me the balance in a certified funds check on XX/XX/XXXX ....
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/2012 I had XXXX testing done at XXXX XXXX XXXX  XXXX XXXX. I was overcharged a copay of {$340.00} which should of only been {$40.00} and I asked for the charge to be disputed with Navy Federal. They said that they investigated it and found nothing wrong and did not refund me the money. They told me when I had a refund receipt from that XXXX XXXX XXXX XXXX XXXX they would refund it which is absolutely ridiculous. Since then ive been going around and around with the XXXX  XXXX XXXX XXXXXXXX XXXX who agrees I overpaid but is not refunding my money. They make several excuses as to why its been months and they have not refunded the overpayment. They have sent me two different bills that do not even reflect the payment of {$340.00} in which I attached for you to view. I have reopened the same dispute with my Navy Federal, submitting evidence and they do nothing and close the dispute again. I do not understand why my credit card purchase it not protected by the bank. Please note that on this same day at this same business the allergy technician got into my purse and stole my card numbers and started charging my debit and credit cards in which the bank did help stop those transactions but does nothing about the overpayment/overcharge. This company, XXXX XXXX XXXX XXXXXXXX XXXX also fraudulently charged my insurance company for XX/XX/XXXX and XX/XX/XXXX when I wasn't even there.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

I applied for forbearance 30 days ago. Emails claim that it will take 5 days to process. When calling the wait times are over an hour and the phone tree goes no where. The loss mitigation team is a no show, meanwhile due to COVID-19 I am  having trouble paying 2 months in a row.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been trying get XXXX, Experian and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-06-28
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. (CA)

Experian and XXXX credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than XXXX different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXXXXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an Experian product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX  EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXXXXXX XXXX  WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS EXPERIAN. EXPERIAN REPORT NUMBER XXXX
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have contacted Caine and Weiner on XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I am seeking remedy for the violations listed below. I will also Include physical documents that were mailed to Caine & Weiner on XX/XX/2021. 

1. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor booth public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving further injury, damages, and mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that ( CAINE & WEINER ) is in violation of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that ( CAINE & WEINER ) is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b. ( 2 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 

On the date of XX/XX/2021 XXXX XXXX, agent, d/b/a XXXX XXXX came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed therein.