davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NE)

Credence resource management has constantly put this debt on my credit report 3-4 times when I DO NOT OWE THIS DEBT. Ive gotten it deleted every single time as well and they just keep putting It on my credit report. This is literally the third time theyve done this and its harming my credit when I do not owe them a dime.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These items are reporting late as reported in TRANSUNION. Lets correct this immediately. TRANSUNION is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( LATE/OPEN : 1. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} 2. XXXX XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$35000.00}
Consumer complaint received 2019-05-08
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: EQUIFAX, INC. (CA)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, I initiate a debt management program with a company XXXX XXXX XXXX in order to reduce interests on my CC and reduce monthly payments in order to pay them in a best time manner, I set up the plan successfully with my other 3 CC but the Capital One CC was not accepted by the institution saying that I was already in an " internal program '' so the couldn't authorize to be handled by XXXX, I have a big interest rate of 22.24 % and 27.15 % in part of the debt. I called them and Capital One said that they don't remember in what internal program was subscribed, which I don't recall to enter any program, so there was nothing they could do. 
I'm asking you, the CFPB to step in and help me resolve this situation that all I want to do is pay my CC and not become delinquent on my responsibilities, please let me know if you need any additional information.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (IN)

I made my XX/XX/XXXX payment, due on XX/XX/XXXX, within the grace period ( XX/XX/XXXX ) to XXXX. I made the payment of {$180.00} ( on XX/XX/XXXX ) in excess of the amount due ( {$170.00} ) plus any interest that would have accumulated on the account within those 3 days. ( {$1.00} *3 ). 

Instead of reducing the prinicpal balance. XXXX XXXX has decided it will apply it to my next payment. This is not how i want it allocated, and not ethical. 

After I have paid off the amount due, plus any interest incurred I should be able to have the excess payment amount as i see fit. If i want it allocated to reduce the prinicpal balance it should go that way. XXXX has conviently been applying my excess payments as statement credit instead of reducing the principal.I dont want a credit, I utlized my grace period and pay enough to cover the interest incurred during that grace, the amount due, and a little bit more to reduce the principal. 

Lastly, XXXX provides this limitied statement, which doesnt show you the allocation, or much relevant information. They can do better and be more transparent.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (AL)

On XX/XX/XXXX I sent my payment through XXXX, and it had posted to the incorrect account number. The customer service rep on XX/XX/XXXX asked me to send a copy of the XXXX, payment. I did that on that evening. They also said that someone would give me a call, or I could call back. I have been calling back every few days, waiting for this to be corrected, however, nothing has been done as of yet. I kept reminding everyone that we have a sell date of XXXX, and they kept saying that it is with upper management. Now here it is 2 days before my sell date, and nothing has been done. This company does nothing but lie to the customer.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westcreek Financial (NY)

In XX/XX/2020 I was given a {$3000.00} line of credit with Westcreek Financial with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to XXXX since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked Westcreek financial to submit notice to XXXX  and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called Westcreek  back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. Westcreek stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with XXXX  and XXXX   and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I received my credit reports from XXXX and XXXX, that have negative items that are inaccurate due to identity theft. The charge that is in question is from a collection agency, Midland Funding LLC. I have no knowledge of this amount of debt or the original creditor XXXX XXXX. I'm asking the companies to please validate the charges and account belong to me, which I believe does not belong to me. 
I received the XXXX  on : XX/XX/2019 I received the XXXX  report on : XX/XX/2019 Both reports have several inaccuracies that have been disputed but keep coming back as verified, which they are not mine!
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (UT)

I have been in prison for to years i just got out XXXX XXXX XXXX i just recieved a letter from Dynamac Recovery Solutions saying that i have a current balance of {$990.00} they say i may resolve my account for {$690.00} if the payment is received by XXXX XXXX XXXX i have been locked up for 2 years and have no idea what this collection is for or why they are sending this to me late if you can please help me dispute this and just get it off my credit please i jist dont want to be bothered by this especially not knowing what it is for
Consumer complaint received 2024-01-30
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IQ DATA INT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me IQ DATA INT XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (TX)

On late XXXX or XXXX I notices someone opened a XXXX credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.
Consumer complaint received 2022-04-01
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. (GA)

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus Equifax XXXX XXXX, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

CMRE finance : Opened XX/XX/2021 In the amount of {$2300.00} Disputed on XX/XX/XXXX & XXXX, XXXXCMRE financial services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX. XXXX and XXXX states the account is assigned to An Attorney and about to be sued. 

US 15 code 1692
Consumer complaint received 2017-12-09
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: BANCO POPULAR DE PUERTO RICO (VA)

On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (OH)

I had opened an account with PayPal Credit, at their invitation, and got approval of a limit of {$1000.00}. After approximately 2 months they dropped my limit to {$300.00}. Without explanation or advance notice. I saw that I had a late payment, but thru my fault by theirs. I had signed up for auto pay. but it did not take properly and their refunded my late fee. But still no explanation of credit limit drop. Two to three months and drop my limit when all other reports are in the positive. Account opened in XX/XX/2022 with XXXX limit and XX/XX/2022 down to XXXX. Last 4 of account number XXXX. This action dropped my credit score XXXX Points.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DCI Credit Services, Inc. (ND)

on the date of XX/XX/2016 my boss was talking to me about something, and it was payday ... i looked at my check stub and i noticed a garnishment in the amount of {$200.00} taken from my check, i had to call payroll and ask them what this was about regarding the garnishment, i asked why i never received any documentation. was never told why i never received any documentation, i was never notified, so they talked to someone about my debt, threatened them with arrest or something. i was also at my bank on the date of XXXX and saw someone talk with a bank teller asking about my information, she told him that she cant give him any information like that, he threatened to have her arrested. also on the date of XXXX at my previous employer XXXX  XXXX, a debt collector came in to my job and asked for imformation about me, which she never gave, he again threatened to have my boss arrested, also on the date of XXXX, my current employer received a call from the debt collector, later in the day they informed me that they were just " verifying something '', i asked " verifying what ''? i was never told or notified of anything, the debt collectors are : DCI credit services INC, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc. (TX)

The Debt collection agency under the name ARC located in XXXX, Texas began calling me with regards to an outstanding debt of {$6200.00} on XX/XX/XXXX of 2021, after which we spoke on the phone XXXX XXXX, XXXX XXXX and XX/XX/XXXX. in one of our first interactions after trying to explain to the representative XXXX XXXX, whom was handling my collection, that I had already paid for the medical procedure which she was trying to bill me for I was voraciously accused of being a petty thief and a criminal and rather than retaliating I still agreed to pay the debt if in I could verify its legitimacy. After over 20 hours on the phone with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX I was able to get a representative from XXXX to verify that my claim had already been processed and paid for through them and any other debts in collection trying to be made would be considered fraud and were therefor unlawful. The representative offered to call ARC with me to explain the situation. I thought I was finally seeing the light at the end of the tunnel here. However once we got on the phone with XXXX XXXX at ARC, not only was I still yelled at and accused of theft, but the representative was being shouted over and asked to speak to her supervisor. The representative at ARC refused to listen to anything we had to say despite myself taking the proper actions to provide proof that these charges against me were illegitimate. I provided proper documentation and brought along a representative but was still met with denial and insults.
Consumer complaint received 2020-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.
Consumer complaint received 2017-12-09
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: CORELOGIC INC (AL)

I contacted CREDCO on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them numerous letters and had called them three times. They have refused to provide me VALIDATION in where I provide them authorization or any company affiliated with them authorization to review my credit. They have been sued several times for actions such as these. Please review all attached documents.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NJ)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

i recieved a collection letter from RECEIVABLE MANAGEMENT SERVICES stating i owed XXXX car insurance for XXXX i have informed them and XXXX that i have not had car insurance in my name since XX/XX/XXXX/XX/XX/XXXX the vehicle i own which is a XXXX XXXX XXXX has always been insured under my domestic partner insurance XXXX XXXX XXXX XXXX with XXXX the prior vechicle I had was a XXXX XXXX XXXX that was totaled out by XXXX in XX/XX/XXXX. At which time we bought the XXXX at XXXX XXXX in XXXX Florida and then transfered the insurance from one vehicle to the next.NEVER DID WE EVER NEED OUTSIDE INSURANCE FROM XXXX. I have sent on several occassions to this company the declaration page from XX/XX/XXXX stating when this vehicle was insured and they continue to refuse to remove this debt from my credit report and harass me for a payment. I have been a victim of id theft in the past. I have called and spoke to various people at this company and there has been no resolve. My XXXX XXXX XXXX vehicle has and still has full coverage on it by XXXX XXXX XXXX XXXX with XXXX since the date of purchase.