davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.
Consumer complaint received 2020-10-12
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. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NC)

In XX/XX/2020 I reach out to the creditor ( BMW Financial Services ) reporting incorrect credit report information to the three agencies The creditor failed to investigate and refused to remove the incurrent information in a letter date XX/XX/2020 ( see attached )
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NJ)

This letter serves as a dispute letter. However, I have sent Radius Global Solutions numerous dispute letters that their agency fails to respond back to or acknowledge. In addition, their agency received my most recent Certified dispute letter, USPS tracking # XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX. Furthermore, I reached out to their agency back in XX/XX/2020 regarding them company illegally pulling my credit and creating numerous credit pull inquiries. Radius Global Solutions failed to respond back or remove the illegal, unauthorized inquiries that they negligently conducted back in XX/XX/2020 without ever notifying me. Instead, you ignored every single certified mail you signed and received. 

Their illegal, deceptive, and unethical business practices should not be tolerated. I have re-contacted the Federal Trade Commission and I have advised them to put a stop of Radius global Solutions bold ignorance and false credit reporting. I also am making the FTC aware that their company has also failed to respond to any of my disputes even after they were notified by me for illegally accessing my credit report ( s ) back in XX/XX/2020. 

They have no legal authority or right to access, continue to access, pull, continue to pull, or list your companys name and account number ( s ) on my consumer credit reports. Radius Global Solutions is such a liar in updating your account that you have failed to notify me of from the beginning. Instead, one of your illegal efforts conducted from you in XX/XX/2020, was to continue to illegally access and pull my credit. 

By law of the FTC and FDCPA, they exercised a consistent failure in responding back to all of my disputes regarding their illegal credit pulls in XX/XX/2020, along with their deliberate failure in responding to my recent dispute letter received on XX/XX/2020 within 5 days of receipt. This means that by law that Radius Global Solutions can no longer continue to add, or list their company name or account number on my consumer credit reports. I am done tolerating your unethical business practices.
Consumer complaint received 2020-10-12
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)

In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Consumer complaint received 2017-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To whom it may concern, On XXXX XXXX of 2017, I sent written communication to equifax requesting that they update my credit report showing my auto loan being paid in full. After a phone call to equifax, I was advised to send all documentation in writing, in which case I did so. I included a letter from XXXX financial services stating my account has been paid in full as of XXXX XXXX of 2017. To date, my credit report with equifax has not been updated. All other credit reporting agencies are showing as paid in full. I contacted equifax once again and was told while they did receive my documentation, they have an additional 60 days to respond. I am attempting to refinance my home in which the deadline is about to expire and will soon be in default. I ask kindly for any help you can give in this matter as I believe I have exhausted all avenues. Thank you in advance for your attention with this matter. Kind regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Letter/ XX/XX/2022 CFPB XXXX XXXX RE XXXX XXXX. 
SETTLEMENT ADMINISTRATOR XXXX XXXX  XXXX XXXX, MN XXXX INFO @ WFSETTLEMENT This information at the top of the letterhead regarging our address is CORRECT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX MY COURT ORDERED XXXX SETTLEMENT HAS NOT BEEN SENT BECAUSE BECAUSE YOU ARE ONCE AGAIN ESCAPING THE COURT ORDERED. 
XXXX HAS NO PROBLEM AND THE IRS KNOWN THIS IS MY ADDRESS. 
XXXX XXXX XXXX. IS HAVING PROBLEMS WITH WF. PLEASE EXPLAIN THE UNTRUTH THAT WELLS FARGO AND XXXX XXXX TO THE CFBD AND MYSELF!
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

This past spring I was in the process of paying my Target store credit card bill. This time when I put in my name and password someone else 's name came up on my account with his store charges but my home address. I immediately contacted Target customer support. When I identified my name to the customer service rep, he too asked why is someone else 's name on the account? They said they'd fix the problem and I said I wanted to wait to pay my bill UNTIL my name was on MY billing statement. Apparently that took a few weeks but when it was finally straightened out I immediately paid off my bill in " full '' to a zero balance. Target said they would not charge me a late charge but to my big disappointment they DID report my account as paid in full but past 30 days late. That's not right! I tried to pay my bill but was afraid I was paying someone else 's bill. It is stopping me from getting a refinance on my home loan.
Consumer complaint received 2023-03-23
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have constantly attempted to remove a debit that I do not owe. I have recurved countless harassing phone calls and threats from the debit collector. I want this account removed from all credit bureaus my credit before I seek legal help for personal damages.
Consumer complaint received 2019-11-02
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-11
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, I am complaining about JP Morgan Chase Bank N.A., their Law Firm XXXX, XXXX XXXX, and XXXX County, Illinois Public Officials stealing my home and personal property at XXXX XXXX XXXX, XXXX, Illinois XXXX Case number is XXXX XXXX XXXX, Illinois. I am the Son ( XXXX XXXX ) and was the lifelong tenant in possession of the property, The loan was paid off after my father died, ( XXXX a XXXX Veteran ) in XXXX and then after my mother died ( XXXX XXXX XXXX ) a Spouse of a Veteran in XXXX they sued her for a loan that was paid off the Court Lacked Jurisdiction you can not sue dead people, JP Morgan Chase Bank and their Attorneys XXXX and XXXX XXXX, have engaged in a pattern and practice of paying illegal kickbacks ( Bribes ) to public Officials to steal people 's homes, inheritance, and personal property, the Sheriff of XXXX County and the XXXX Illinois Police department evicted me ( theft ) without a eviction order signed by the land owners my parents XXXX and XXXX XXXX. All parties have engaged in fraud and felonies to steal my home and inheritance and personal property. 
It is Civil rights Violations to evict a family member of a servicemember, the home was paid. 

My contact information since I am homeless is. 

XXXX XXXX Son of XXXX XXXX and XXXX XXXX Deceased XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX Email XXXX XXXX
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2019-11-02
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OK)

2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX XXXX XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

On XX/XX/XXXX, I went to the office of XXXX XXXX, questioning why I was not getting a co-pay bill, as well as a statement from my insurance company, from a visit in late XXXX. Come to find out, an office clerk had entered the wrong address, on the evening of my visit. The current clerk supposedly made the correction, and the co-pay of {$26.00} was paid in full using my XXXX. The clerk did not give me a receipt when I asked for one, yet gave me assurances that the bill was paid long before going to collection. 

On XX/XX/XXXX, Central States Recovery of XXXX, KS reported a level 1 debt collection activity to my credit reports causing a severe drop in my FICO score, on behalf of their client, XXXX XXXX of XXXX, KS. I was alerted to this warning in the am of XX/XX/XXXX, by my current credit monitoring service, while at my bank discussing a new truck loan. As a result, I could not proceed with the loan process, due to the severity of the negative credit impact. In other words, I'm stuck. 

After multiple calls to XXXX XXXX on XX/XX/XXXX, I was led to a contact at XXXX of XXXX, where I left a message, which was later returned. In her return call, she in fact agreed with me, that poor data entry and poor follow-up, ie., incompetency, caused all this mess. They have issued a letter to the appropriate credit reporting agency instructing them to remove it immediately, but that it could take up to a week to clear completely. So, as a result, I can't get a new truck, nor a new place to live, which are both " critical '' at this time. I have already stated to both parties, that if there is any trace of this on my reports, and/or, my monthly average FICO score suffers a negative hit, I will sue. They understood, because they realize they screwed up, and I've suffered for it, with no warning to boot. I got no calls from anyone, nor any mail all these months, so I had no idea until this morning, because CSR had the wrong address too. 

Thank you.