davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
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: ERC (GA)

I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted several disputes over the last year with Transunion over various issues with my credit report. I have either not received any response at all, which legally they are supposed to delete the disputed items or they are just returning a response that says items have been verified with no substantiation. I believe they have red flagged my account because they breached my personal information after it was supposed to be locked in or around XX/XX/2019 for which they admitted. Although they resolved the issue Transunion has barely if not at all properly handled any of my disputes. Luckily, I have my receipts as well as additional information I received about their handling of my account as I may have to seek a third party legal remedy.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

GM Financial has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with GM Financial. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with GM Financial and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

XXXX also refuses to allow me to dispute the trade line with GM Financial. They give no reason why, they just refuse to allow me to dispute the inaccurate information.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (MS)

Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.
Consumer complaint received 2023-01-11
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. (MO)

I am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; 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  I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.
Consumer complaint received 2021-06-03
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. (TX)

I have correspondence from XXXX XXXX that states that they have contacted TransUnion to remove the late payments from my credit report. After not getting an update I called TransUnion and they advised me to mail a copy of the letter from XXXX XXXX. I mailed the info on XX/XX/2021, and again on XX/XX/2021, after calling TransUnion again they advised me that they have nothing from me in regards to the matter.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (AZ)

I'M NOT REALLY SURE HOW I CAME INTO CONTACT WITH XXXX XXXX XXXX COMPANY, BUT AFTER AN AGENT REPRESENTING THE COMPANY CAME OUT TO MY HOME, COMPLETED THE CONSULTATION, I WAS INFORMED THAT I QUALIFIED FOR SOLAR. MY CREDIT WAS RAN AND I WAS APPROVE FOR FINANCING. THIS TRANSPIRED IN XXXX OF XXXX. SEVERAL MONTHS WENTS BY WITH NO CONTACT IN XXXX OF XXXX I CALLED THE NUMBER ON THE CONTRACT THAT WAS LEFT AT MY HOME FROM THE INITIAL VISIT AND WAS INFORMED THAT THE INSTALLERS WOULD ARRIVE THE FOLLOWING WEEK. THEY DID ARRIVE AND THEIR WORK VAN HAD LOTS OF EQUIPMENT IN IT AND ON TOP. I WAS EXCITED THAT MY SOLAR WAS BEING INSTALLED. SOLAR PANELS WERE INSTALLED AND A BOX SIMILAR TO FUSEBOX WAS MOUNTED ON THE SIDE OF MY HOME, NOTHING ON THE INSIDE OF IT, JUST THE BOX. I NEVER HEARD ANY MORE FROM THE COMPANY. THEN XX/XX/XXXX SPRUCE FINANCIAL BEGAN CALLING ME DEMANDING PAYMENT. I REQUESTED THAT THEY HAVE THE COMPANY COME OUT AND COMPLETE THE JOB. THEY TOLD ME THAT I OWED THIS DEBT AND I NEEDED TO PAY IT. I ASKED THEM DID THEY HAVE A NOTICE OF COMPLETION AND THEY STATED YES. I ASK DID THEY HAVE MY SIGNATURE ON A NOTICE OF COMPLETION FOR WHICH I WAS PUT ON HOLD FOR SEVERAL MINUTES. A REPRESENTATIVE RETURNED TO THE LINE AND SAID I'M SORRY BUT YOU HAVE TO PAY THIS DEBT. I EXPLAINED THAT I NEVER SIGNED AND WHY WOULD THEY PAY A COMPANY FOR INCOMPLETE WORK. I FEEL THAT THEY WERE WORKING AS A TEAM. THE COMPANY MAKES THE SALE, THE SALESMAN MAKES THE COMMISSION, AND NO MATTER WHAT, I'M ON THE HOOK FOR THE DEBT.MY CREDIT HAS TAKEN A SERIOUS BEATING. MY CREDIT RATE DROPPED OVER XXXX PTS. I'VE ATTEMPTED REFINANCING TO NO AVAIL DUE TO THIS XXXX DEBT. MY MORTGAGE COULD BE CUT IN HALF IF I COULD REFINANCE. I DON'T KNOW WHAT TO DO. IF I SELL, I HAVE TO PAY THE FINANCE COMPANY, LOSING XXXX IF YOUR ORGANIZATION CAN NOT HELP ME, PLEASE TELL ME WHERE I CAN GO.
Consumer complaint received 2022-10-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (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 2021-06-03
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: Experian Information Solutions Inc. (OH)

Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-06-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has 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 XXXX Balance Owed : {$6.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} TransUnion : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have four Capital One credit cards, excellent credit ( XXXX ) and pay my bills on time. So after I received a charge of only {$14.00}, I called Capital One letting them know I did not make this charge. ( The charge was for XXXX XXXX, which I never made ) They said they would resolve it, which was six months ago. Five months ago, the {$14.00} charge appeared once again on my paper bill. 
I also spent another 1.5 hours on the phone to resolve as as I told them again this {$14.00} was not mine. They apologized and said they would handle it. Low and behold my next bill had the {$14.00} and late fee bringing the total to {$28.00}. I called once again, wasting time, spent another 2 hours talking to three different Capital one people, and finally spoke to a manager - who hung up on me. And each time when I received the erroneous bill I sent Capital One a letter of explanation, which did no good. The last letter I sent to Capital One was via Certified Mail on XX/XX/, which I paid {$4.00} out-of-pocket to do and resolve the matter. 
Yesterday, XXXX XXXX XXXX, I got yet another bill from Capital One for {$57.00}, yet again increasing my late fees and ignoring the Certified Letter I sent ... 
All this headache and hassle for a {$14.00} charge I never made six months back. 
In my opinion, Capital One is dishonest or at the very least incompetent and could not care less about its customers. 
It's obviously not only about the original {$14.00} I don't owe, but the fact they ignore a good customer and adding insult to injury, charge me late fees - basically stealing. Bad business as I won't use my Capital One credit cards again.
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why?

Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!
Consumer complaint received 2022-04-30
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. (MS)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I have been trying for the past two weeks to close my checking account at Citibank. My account has been blocked since XX/XX/, 2022 due to fraudulent activity by a scammer. 

I would now like my account to be unblocked, closed, and the balance of {$1100.00} returned to me by Citibank. I have tried to work with Citibank to do this over the phone, but I have been sent from one department to another. The nearest branch is approx. a 7 hour drive. 

Please see attached detail.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc. (FL)

The account was paid off by XXXX XXXX  When Home was sold on XXXX XXXXShortly after started receiving late payment noticed ... .Tried on several occasions to talk to there agent but they refused to listen and only had a one track mind saying that I still owe the money ... .Fully executed Termination/Release of UCC Financing statement as recorded in Official Records Book XXXX, Page 353 of the Public Records of XXXX XXXX, Fl.XXXX XXXX XXXX XXXX Fl, XXXX, ,Even after sending copies of the cancelled check they refuse to correct there error ... .....
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

I am in the process of refinancing my current mortgage, which is with a company named Gregory Funding. The new mortgage company had requested a 30 day payoff on 3 different occasions and on each of the last 2 occasions Gregory Funding sent the same mortgage payoff which expires in less than 30 days. When I called them to request a new payoff, I was told it would take up to 7 business days for the payoff to be generated. They also informed me that they would not be sending a new mortgage payoff until the original one expired. When I asked them who regulates your company I was told the same people who regulate mortgage servicing companies. They refused to tell me who regulates them, and only after asking for a supervisor and I informing him of the problem with the payoff request, and he informing me that they will send the same payoff even though a new 30 day payoff had been requested. That they would only send the original one until it has expired. I was told that they are regulated by RESPA, and he refused to tell me the agency name. This company placed me on hold and played a recording before they could talk to me about them being a collection agency, and a lot of information about bankruptcy. They sounded and treated me like a collection agency would very unprofessional and not like my Bank or any other Bank I have dealt with in the past.
Consumer complaint received 2018-02-10
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: EQUIFAX, INC. (FL)

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (IN)

On the XXXX of XXXX First Advantage ran a background check on me and reported outdated information ( over 7 years old ) to my prospective employer, XXXX XXXX. 

In the copy of the report I received the search period was conducted from XX/XX/XXXX to XX/XX/XXXX. The case they reported was settled on XX/XX/XXXX and is currently going through the expungement process. Since this case was settled outside of the 7 year reporting period it should not have been sent to my employer. I have not had this charge show up on a background check for several years until now.