davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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: ENCORE CAPITAL GROUP INC. (FL)

On or about XXXX I submitted online and sent by mail a dispute of account name : Midland Credit XXXX To XXXX XXXX, and XXXX. I provided a copy of my court notice that case has been dismissed with prejudice. I have disputed this account in XXXX, XXXX, and XXXX of XXXX without any change to my credit report, all the bureaus stated " Investigation results- verified and updated. I don't owe this company and it needs to be removed off my credit report.
Consumer complaint received 2021-05-29
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. (NJ)

I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.
Consumer complaint received 2021-10-21
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. (GA)

XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX  XXXX of their discrepancies.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

I contacted XXXX XXXX XXXX on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from XXXX ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (KS)

On XX/XX/2021, I started the return process with XXXX with XXXX. 
Since then XXXX had Blacklisted me and refuse to do anything. 

After they Blacklisted me, I filed an complaint with XXXX ( XXXX refuses to respond to XXXX ), I had disputed the charge. 
Reason why is that the products are defective and XXXX refuses to contact me back ( Blacklisted ). 

Under the " MagnusonMoss Warranty Act '', by law, XXXX supposed to honor the warrenty and fix they products in a timley matter. 
XXXX refuses to honar the warranty by either fixing or exchanging the products in a timley matter. 

" MagnusonMoss Warranty Act '' also states that if XXXX don't do or refuses to do any of said stuff, it states that entitled to my choice either a Full Refund or a replacement, both of which is at no cost. 


I gave Affirm everything and then some backing everything up on what I am claiming. 
Affirm emailed me on XX/XX/2021 letting me know that Affirm is breaking the law and they are alowing XXXX to break even more laws and that I am responible for the entire ballance. 

1 more thing, Affirm claims that I am 2+ weeks late on my 1st payment.

Even tho Affirm lock my account for 2+ weeks and their system refused to allow me to make a payment.
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I reached out to a collections agency attempting to validate a debt and they advised they need to obtain information from the seller and want me to wait for 90 dyas. They currently have the debt and should have all the required information to verify the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, Paypal permanently restricted my account for reasons i am not sure of. Every information i filled in my registration process was original, Current and Legit. I am a XXXX  who produced XXXX words of copy for my Client and he reciprocated by sending me a {$500.00} dollar advance fee. He later sent an additional {$200.00} for me to run XXXX promotions for him. I tried withdrawing the money but couldn't. PayPal requested for my Card statement. I went to my bank the next day and obtained it directly from my Bank and sent to PayPal. 

The next morning i woke up to a Your Account Has been Permanently restricted Message from papal. I have no idea why. I took Pains to go through the registration process in order to avoid any hitch. I tried reaching out to PayPal but couldn't get to them I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

Here is my Email linked to my PayPal Account XXXX XXXX
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-07-19
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. (NJ)

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX, Experian, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXXXXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (WA)

I RECIEVED A LETTER FROM A COMPANY CLAIMING TO BE AMERICAN CORADIUS OUT OF XXXX NY CLAIMING I OWE XXXX XXXX. MY XXXX WAS PART OF A DEBT CONSOLIDATION SEVERAL YEARS AGO AND IT WAS SETTLED. IS THIS COMPANY LEGIT? THEY ARE NOT GETTING ANY MONEY FROM ME. WHAT SHOULD I DO?
Consumer complaint received 2021-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I tried to pay my balance of XXXX to my capital one credit card account from XXXX not knowing that they do not do Anch transfers I received a notice that my account had been closed because the transfer didnt go through I used my other account to make the payment but capital one is saying they closed my account because of fraud when nothing was fraudulent both accounts are in my name and I have bank statements to prove it I called and told them they placed me on hold and never transferred me to anyone
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

on XX/XX/2023, i sent letters to the CRAs ( XXXX, XXXX, AND EXPERIAN ) disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Consumer complaint received 2021-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-05-29
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. (TX)

hi This is XXXX XXXX! I have several issues with Experian and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and Experian are XXXX  my credits and providing wrong information to lenders. If lenders pull credit reports from EXPERIAN and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Consumer complaint received 2021-05-29
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. (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Consumer complaint received 2021-05-29
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. (FL)

In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? 
I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? 
If you need all my documents tell me where to mail it, its way too much to attach here.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (DE)

Endless Robo-dialed calls from company claimed to be " Midland Credit ''. I have NO debt and do not owe anything to anyone. This company using multiple numbers calling anytime of day including SUNDAY XXXX and EVENINGS ( after XXXX ) could NOT disclose the correct name and address and types of debts. The info they made up is not me and no where near me. I have asked them to STOP for MONTHS and yet the calls continues DAILY
Consumer complaint received 2020-12-10
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. (AR)

refer to cfpb compliant XXXX. 

My compliant is this credit bureaus has not complied with fcra guidelines and provided me proof of their investigation. 

This credit bureau has not furnished to me in writing the proof of the investigation of my complaint filed back in XX/XX/XXXX with in 30 days on the inaccurate reporting of 3 different bankruptcies inaccurately listed on my credit file. 

This credit bureau is in violation of FCRA for non compliance of inaccurate data furnished on my credit file and not providing me proof ( i.e. signed petition of bankruptcy ) XXXX  not reporting correctly and I need the Proof! 

XXXX  vs. Transunion XXXX and FCRA and Congress says the Burden of Proof is on the credit reporting agencies.
Consumer complaint received 2021-12-08
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. (TX)

There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to Equifax via fax and XXXX and XXXX via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.