davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AL)

I received notice a few weeks ago about ERC being placed on my credit file. I waited to see if i would receive anything in the mail pertaining to this debt. To this date I have not received anything, I have no clue what this is or what they are trying to collect for.
Consumer complaint received 2023-01-31
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: Convergent Resources, Inc. (FL)

I filed a complaint and sent a letter out on XX/XX/2022, to convergent outsourcing, XXXX, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my XXXX account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 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. As i stated previously Convergent Outsourcing is not licensed/registered to collect in the state of Florida. That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I the consumer did not consent too nor authorize these inquiries that are reporting to my transunion file. I did not give my permissible consent to any of these corporations to obtain my consumer report from my transunion file. TransUnion did not have my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). Transunion sold my credit file to these corporations without my consent. I sent Transunion an identity theft report with a bill and a copy of my Driver License via certified mail. Is Transunion above the federal law? How are they able to share my consumer report without them contacting me for consent. Transunion humiliated me to the public and damaged my reputation.I never knew a third party agency whom is not government affiliated can be above FEDERAL LAW. Transunion decreased my credit score because of these unauthorized inquiries.I did not benefit from any of those inquiries Im requesting TransUnion to provide me with a copy of an application with both parties signature. I am requesting for a senior executive produce an affidavit of truth stating that I granted Transunion permission to furnish or share my consumer report, and have it notarized by the senior executive stating that I gave them permission to share my private information ill accept the inquiries. If not I demand all of the inquiries be blocked and removed.
Consumer complaint received 2022-04-29
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. (CA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2018-02-08
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: BB&T CORPORATION (NC)

I WAS CHARGED FOR SEVERAL CHARGES THAT I DID NOT AUTHORIZE AND NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES. I HAVE NO IDEA WHO THEY ARE AND HOW THEY RECIEVED MY INFORMATION BUT I WOULD LIKE TO GET MY MONEY BACK. I CONTACTED THE CREDIT CARD WHEN I NOTICED THESE CHARGES ON MY STATEMENTS BACK WHEN THEY WERE CHARGED TO MY ACCOUNT AND THE CREDIT CARD COMPANY DID NOTHING. I AM NOW WITH THE HELP FROM A FRIEND TRYING TO GET MY MONEY BACK AND MY FRIEND AND I CALLED BB & T CREDIT CARD AND REP SAID THAT THEY COULDNT GO BACK THAT FAR BUT WE COULD SEND A COPY OF STATEMENTS ALONG WITH A LETTER TELLING THEM WHY THIS IS FRAUD AND THEY WILL INVESTIGATE THIS MATTER. I HAVE ALREADY BEEN THROUGH THIS PROCESS AND NOTHING WAS DONE AND HERE I AM YEARS LATER AND STILL FIGHTING TO GET MY MONEY BACK. I WILL LIST ALL CHARGES .... 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER AUTHORIZED ANY OF THESE TRANSACTIONS AT ALL. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-02-07
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. (FL)

Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (VA)

Experian XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2021-01-23
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. (IL)

A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM XXXX XXXX XXXX XXXX. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Hello, I filed a complaint against XXXX XXXX XXXX about how they are discriminating against low credit users and charging them higher interest putting their loans in default and then I also ran across an article from the CFPB regarding their credit reporting. They reported me late twice after catching up with my payments lying saying i was XXXX  days late even though I was current on my payments. I filed with XXXX to get it disputed but it took a hit in my credit report and i am trying to repair my credit report to get out of a loan that i will never be able to pay off due to their practices of charging low credit users 28 % interest. i am already paying XXXX dollars more than what the car is actually worth! whats the point of having a monthly payment of 90 % of it goes to interest and none of it goes to the premium. THIS COMPANY NEEDS TO BE STOPPED
Consumer complaint received 2019-09-26
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 am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX emergency med gr {$260.00}
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

Upon my review of my Lexis Nexis report, I initiated a dispute and Lexis Nexis did a reinvestigation of my report on incorrect information. Lexis Nexis determined on XX/XX/XXXX that an address on the Address XXXX XXXX ( Record XXXX, page XXXX of the report, attached ) was reported as accurate. This address is not accurate as I have never lived in XXXX. In XXXX, I filed a police report for Identity Theft on this address. I would like this reinvestigated by Lexis Nexis given the attached police report and have this entry, Record 4 on the Address XXXX XXXX removed permanently from my report. 

This incorrect address ( Record 4 ) does not appear on any of my 3 Credit bureau reports ( XXXX, XXXX and XXXX ) nor on any other report.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I have new and updated information about NCS ( National Credit Systems ), they have failed plenty of times to provide me with a signed lease agreement from the alleged original creditor. Which is a violation of my rights as a consumer. They have continued to send the same documents that's not signed by me or anyone that works for XXXX XXXX XXXX. And I have asked for any documentation with my name on it to validate this alleged debt and they haven't sent any documents to prove I signed any lease aggrement or form saying I am liable for this debt. NCS have proven time and time again that they don't have anything with my signature on it, just these very false and misleading documents that they keep uploading which or a violation of the FDCPA as well. Im asking you CFPB to do your job and protect me as a consumer and demand these people to stop holding me and my consumer report hostage and delete all negative reporting from all CRA 's. This has hindered me for years and my children or suffering from NCS violations of the FDCPA. AND PLEASE THIS SHOULD BE HANDLED IN LESS THAN 30 DAYS NOT 60 DAYS!
Consumer complaint received 2021-11-09
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: Monterey Financial Services LLC (CA)

I am a victim of identity theft and I have sent FTC reports to XXXX, XXXX, AND XXXX, MONTEREY FINANCIAL, and XXXX  XXXX XXXX
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (GA)

I was charged additional charges to my XXXX XXXX account.In XXXX XXXX I have opted out of a {$79.00} monthly payment to a XXXX payment. Well on my money lion app online it changed but they continued to charge me {$79.00}. Which came back returned check fee for XXXX each for five straight months into I stopped payment attempted on XXXX XXXX 2019
Consumer complaint received 2018-02-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (TX)

Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company only sent me correspondence AFTER placing debt on my credit given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. 

From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files.I tried explanation that I not only sued but won against XXXX in court back in XX/XX/XXXX for this exact debt as it was proven to not be my debt, the agent still refused to discuss with me the account as I couldn't pass verification. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system and for a bogus debt that was sold to them by XXXX  KNOWING the couldn't collect via the legal system as the account is not mine. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

hello i habe been using my capital ine credit card for years without a single late payment. lately i got XXXX and i wasnt feeling well for XXXX weeks. my XXXX was on autopay and there was couple of returned payments not late payment though. i made payments again but there was other transaction that was going on in my checling so everytime it got returned. i was so sick i wasnt in a good mind state to think about everything. all of a sudden capital one closed my account without any notice. i called them asked them why they said because multiple returned payments and they dont reinstate my account.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (CA)

Frauding scams using my credit files as XXXX listed business Frauding as : : : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then frauding scams using my birth certificate long form of doctor listed using XXXX XXXX XXXX as multiple XXXX XXXX Then fraud scams using XXXX XXXX. ( Frauding my immazation record of XXXX county Indiana ) Frauding scams using : : XXXX XXXX in Nevada frauding scams frauding XXXX Indiana Frauding scams using XXXX Indiana Frauding scams using XXXX frauding XXXX XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-09-12
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. (MI)

Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-12-04
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: Opportunity Financial, LLC (VA)

Hi, I was graciously accepted to open up a line of credit with your business. I made sure to always make my monthly payments on time. Unfortunately due to COVID-19, I fell on hard times and was late making a payment in XXXX 2020. I am asking for a goodwill credit bureau update to remove this late reporting. As soon as I was able, I brought my account current and even paid off my installment loan. I am in the process of trying to qualify for a home loan to provide a future and solid foundation for my children and this late payment is negatively impacting my credit score. Please know I am NOT disputing the reporting but only asking if I can be granted a goodwill credit bureau update.