davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
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. (CO)

Back in XX/XX/XXXX I sent a dispute letter to XXXX and Experian asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you XXXX my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AR)

EFFECTIVE TODAY CEASE AND DESIST PULLING OR SHARING XXXX  DATA OR HAND SHAKE OR BE SUE IN XXXX XXXX DOLLAR LAWSUIT
Consumer complaint received 2017-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding EXPERIAN : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from EXPERIAN of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from EXPERIAN via CFPB : Asking me to deal with EXPERIAN directly and not through CFPB. Experian will verify the accuracy of the item and inform Experian of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. To date, still no response from Experian.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against XXXX XXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report.

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

The loan with Affirm for XXXX XXXX was charged off in XX/XX/XXXX. I settled the balance with XXXX ( debt collection agency ) on XX/XX/XXXX. Affirm keeps reporting that the account is still open with a balance when there is no balance and the account is closed. They were able to provide me with a loan verification document but continue to submit inaccurate information to the credit bureaus about the loan payments. Please stop this company from further damaging mine and other peoples credit reports.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

We lived in XXXX XXXX XXXX XXXX XXXX at XXXX XXXX 's edge apartments Auburn wa XXXX. In XX/XX/XXXX our water heater broke on the ground floor,, a window was leaking down the wall in my daughter room and there was black mold in the closets and a leak under the kitchen sink When the removed the water heater in the hall closet there was a approximately 1 foot by 2 foot hole directly to the ground with exposed dirt and bugs. I asked them to fix it and they said it wasn't. Big deal and they only had the 2 guys for the whole apartment complex. We had moved in XXXX and I was out of work until XXXX and my husband was out of work prior to that in XX/XX/XXXX. I was getting ready to restart my job. I td them we can't live in a unit with mold and dirt and holes to the ground with ants and bugs. The maintenance guy said, '' well that's my choice he guesses and he will get to it someday. I was protected under moratorium act but because of how gross it was in XXXX we had to move. I told management our new address and stated I would work out a payment plan with them. Well the very next month I received notice that it was already at a collection agency and the full amount was due or payments of {$300.00} a week for 2 weeks and then {$200.00} a week until my balance of + {$16000.00} was paid. I initially agreed And set it all up. This week I called And tried to get the amounts adjusted bc I realized it was a lot of money on top of ll the other bills I have. I they wod not work with me. I feel this is a lot unfair and poor taste that they wouldn't work with me and that to make the apartment disgusting causing me to leave so they could file the claim for the amount due was poor business. Because of the unliveable condition of the unit and the force move I should be protected under the moratorium. I will probably have no choice but to fie bankruptcy. I will be discussing the situation with an attorney. 
Thank you, XXXX XXXX XXXX Current address XXXX XXXX XXXX XXXX Unit XXXX XXXX, Washington XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I submitted a dispute with Equifax for a medical collection I paid back in XX/XX/XXXX. I submitted the dispute online with Equifax and XXXX  on XX/XX/XXXX. XXXX  requested I mail supporting documentation, Equifax allowed me to upload supporting documentation. I provided the same documentation to both credit bureaus. I provided proof of credit card payment and an email correspondence with a lawyer which included the payment confirmation number. After 30 days the record was removed from XXXX ( XX/XX/XXXX ), however it remained on my Equifax report. I contacted Equifax on XX/XX/XXXX about the matter and they advised the creditor was still reporting the debt as accurate. I inquired about the proof of payment that I provided, and they advised that it wasnt attached to the dispute when they contacted the creditor and they would submit another dispute and it should only take about 7 to 10 days. I was on the phone 22 minutes with the associate. I followed up on XX/XX/XXXX and was on the phone over an hour and got disconnected. During that conversation the associate advised that the dispute didnt look like it had been submitted with the documentation. So yet again Equifax failed to get this resolved properly. The call got disconnected after 1 hour and 3 minutes. I called the medical creditor and they advised they have provided proof that this debt is no longer valid to the credit bureau on 3 separate occasions, 30 days after payment was made in XXXX, in XXXX and in XXXX. All these dates coincide with all the times I followed up with Equifax. I called Equifax a third time to try and resolve the matter with a supervisor on XX/XX/XXXX and she confirmed she had the documentation that showed proof of payment, however they will not remove the incorrect reporting debt because they claim the creditor said it was accurate and they want me to provide additional proof outside of what I've already provided. I am trying to buy a house and need this resolved immediately. I have done my due diligence in getting this matter taken care. The debt never appeared on XXXX, and was removed from XXXX upon review and dispute. However Equifax has failed to follow through with removing this from my credit report.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

THIS IS YET ANOTHER COMPLAINT ABOUT WHAT CHASE BANK HAS DONE TO ME.EIGHT AND A HALF YEARS AGO I ASKED CHASE WHAT THEY COULD DO FOR ME. I DID NOT ASK FOR A MODIFICATION OR A REFINANCED MORTGAGE. I SIMPLY ASKED WHAT THEY COULD DO. I LIVE IN A COLLEGE TOWN AND HAVE NUMEROUS RENTALS AND IT WAS HARD KEEPING ALL OF THE HOMES OCCUPIED DURING THE CRASH OF 2008. CHASE AFTER MANY MONTHS TOLD ME I QUALIFIED FOR MODIFICATIONS ON ALL THREE OF THE LOANS I HADWITH THEM, I HAD NEVER MISSED A PAYMENT AND MY CREDIT SCORE WAS  XXXX. THEY HAVE ILLEGALLY FORECLOSED ON ME, BROKE INTO MY PROPERTY, CANCELLED MY INSURANCE AND SHUT MY UTILITIES OFF. I HIRED AN ATTORNEY AND WAS ABLE TO GET THE HOME BACK IN MY NAME. THEY ARE NOW THREATENING FORECLOSURE AGAIN, AFTER FOLLOWING ALL THEIR DIRECTIONS TO GET A MOD. THEY LIE, CHEAT, DECEIVE, AND EVEN STEAL MONEY FROM ME BY NOT APPLYING ALL OF WHAT I HAVE PAID THEM ON MY MORTGAGE. PLEASE I NEED YOUR HELP TO STOP WHAT THEY ARE DOING, OR MAY DO. IT IS A HELLISH NIGHTMARE I WOULD WISH ON NO ONE. PLEASE HELP. I WANT MY NAME AND PHONE PUBLISHED SO OTHERS CAN CONTACT ME. XXXX XXXX XXXX. I HAVE IN MY POSSESSION A CONFIDENTIALITY AGREEMENT CHASE TRIED TO GET ME TO SIGN TO SHUT ME UP FOREVER, WHICH I INTEND TO GO PUBLIC WITH IF THEY DO NOT FIX THE MESS THEY CREATED.
Consumer complaint received 2020-09-20
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. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (FL)

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

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

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CR COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-08-08
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX i filed a dispute with equifax. I just checked and the web page for disputes pertaining to Equifax says temp unavailable. This has already been a week with the same message. I call the phone number and it is impossible to get through to a live person. On the phone it says that the investigation was completed on XX/XX/XXXX. I never received the results. If Equifax is so irresponsible to handle my dispute with such disregard. I dont see why they should be allowed to report on my credit. My name is XXXX XXXX the last four of my social are # XXXX date of birth is XX/XX/XXXX. I want someone to call me from equifax. I also want my results mailed to me. Lastly I want Equifax reprimanded for not keeping thier website in working order.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Retention Consulting Services Inc. (CT)

Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For the past six months, I have been attempting to resolve a dispute with the credit reporting companies. Despite my repeated efforts, all I receive are letters stating that the issue has been resolved, but the problem persists. Specifically, the companies have failed to address an erroneous charge on my account. I have contacted the credit reporting companies multiple times via mail and phone, submitted formal dispute letters with supporting documentation, and followed up regularly to check the status of my disputes. However, I continue to receive repeated letters stating that the issue has been resolved, but the incorrect information remains on my report. Despite my diligent efforts, the issue has not been corrected, which has adversely affected my credit score and financial standing. I am seeking assistance from the CFPB to resolve this matter promptly and ensure the accuracy of my credit report. Thank you for your attention to this matter.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (PA)

I noticed six separate charges for {$25.00} each on XX/XX/XXXX that were not initiated by me. I contacted both the card issuer and merchant later the same day to dispute those charges. The merchant marked the charges as fraudulent and the card issuer opened disputes on the six charges with provisional credits applied to offset the charges. 

On XX/XX/XXXX one of the six charges had the dispute resolved in my favor - a merchant credit was applied for {$25.00}, and a {$25.00} charge was applied to reverse the provisional adjustment. On XX/XX/XXXX a second {$25.00} charge was applied to reverse the provisional adjustment without any corresponding merchant credit. 

Meanwhile the five other disputes are still not resolved my the card issue and it has been more than 90 days since the disputes were opened. 

Since the XXXX double dip reversal charge I contacted the card issue twice - by chat and by phone. The representative I spoke with said the disputes would be resolved before the 90 day period from the opening of the disputes and that they would " escalate '' the second adjustment charge to some unnamed group that would follow up with me - it has been over two weeks and no word from them.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I don't agree with the charge off since it was a gap insurance issue and when finally paid wasn't explained what I needed to do till end of the year I owed a full payment. I lost that dispute but now my credit report is showing 2 charge offs for one issue that was paid out.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

They offered Forbearance in XXXX with Covid- 19 hardship that I would have to pay lump sum come XXXX. I received a letter XXXX stating. Temporary Hardship Forbearance Plan ( " Forbearance Plan '' ) and now I was approved for Payment Deferral. Only approved for 2 months XXXX and XXXX. Come XXXX I still have to pay a lump sum of {$1200.00}???
Consumer complaint received 2017-08-08
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. (NC)

I have copies of my payment history which was provided from XXXX XXXX on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against XXXX XXXX as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, XXXX XXXX has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that XXXX XXXX needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to XXXX XXXX, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX