davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, XXXX XXXX XXXX is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

An account that was previously removed from my credit file in XX/XX/XXXX was reinserted in XX/XX/XXXX by the company Convergent Outsourcing Inc . The company failed to notify me of the reinsertion within five ( 5 ) days which directly violates my rights under the Fair Credit Reporting Act. I sent a certified letter to the company detailing this incident on XX/XX/XXXX and demanded the collection account be removed due to my rights being directly violated. The mailing address for the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, and their phone number is XXXX XXXX XXXX XXXX. I would also like the license number of this company and verification that they are legally licensed to collect debt in my state of residence. 
Thank you
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

To help protect myself against fraud and identity theft, I contacted XXXX XXXX, and Experian. XXXX  and XXXX let me set up accounts through their websites and request or confirm credit freezes. I also set up an account on Experian. There was no simple way to request a credit freeze or to confirm whether it was included in the free membership. I finally found a reference to credit freezes in Experian 's educational materials. ( These were patently marketing materials for their enhanced services. ) In order to request a freeze, the consumer is directed to a phone number. I called, but there was no option to request a freeze or speak to a customer service rep. The call was summarily ended by the Experian phone system. I am complaining because I just gave a lot of sensitive, identifying and financial information about myself and I am not able to confirm whether the benefits of my membership includes a free credit freeze or how to request it. The site promotes its other services in a very heavy handed way.
Consumer complaint received 2021-04-11
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. (PA)

Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (PA)

Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.
Consumer complaint received 2021-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have reached out to Navient and the XXXX XXXX XXXX XXXX they have approved my my loan to be forgiven so I do not have to pay it.I also sent the letter the XXXX XXXX XXXX XXXX send me.Navient has not updated it on their end and are also reporting it on my credit report as dept no paid and past due.
Consumer complaint received 2020-12-02
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. (PA)

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2nd Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Due to financial hardships, I incurred a late fee. As I planned to pay off my credit card, I requested the {$40.00} late fee to be reserved. Capital One refuse to refund me for the overly expensive junk fee. I will no longer be using this card, and will be refinancing my vehicle so I dont have to deal with this company anymore.
Consumer complaint received 2021-04-11
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC (GA)

Titlemax took money from me from XX/XX/2019 up until XXXX I told them that I losty job and my wife and other family members had caught covid. I even tried to give paperwork showing this and they said the didn't need it just pay what I could .in XXXX I tried to pay them XXXX dollars they refused repossessed my car. And gave me ten days to give them XXXX dollars. I didn't not receive stimulus or tax refund or pua or unemployment aid. During this whole pandemic my family suffered. This is what happened. They decieved me about what kind of danger my car was in. I even had a manger on a recorded line by company tell me she would accept XXXX to close out my account to which the pandemic started and I couldn't get in contact with the manager. Who names I had wrote down on my notary paperwork in my car too which they kept all my belongings including notary info on my clients private I'd. Info
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION (NJ)

Re : Case No XXXX in the Superior Court oXXXX XXXX XXXX Re : Attached Notice of Debtor Letters : Creditor Name : Wilmington Savings Fund Society , FSB, XXXX " WSFS '' XXXX Creditor Address : XXXX XXXX XXXX, FL XXXX Creditor Attorney : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached Exemplified Affidavit from the XXXX XXXX XXXX XXXX XXXX in the Superior Court of XXXX XXXX Plaintiff : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  not in its Individual Capacity but Solely as Trustee for the XXXX XXXX XXXX XXXX, XXXX " XXXX '' XXXX Attorneys for Plaintiff : XXXX, XXXX XXXX XXXX, XXXX Attorney Address : XXXX Route XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Attached XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Services Invoice submitted as Exhibit Y in Case No. XXXX Client : XXXX XXXX XXXX, XXXX " XXXX '' XXXX Client No : XXXX Account # XXXX Re : Attached SEC Response XXXX " Our records do not contain any information regarding XXXX XXXX XXXX XXXX. '' Dear CFPB, We are reaching out for your agency for assistance with obtaining proof of debt and proof of claim from XXXX, and/or XXXX, and/or XXXX. 

Apparently, three parties are now alleging a claim Case No. XXXX in the XXXX XXXX of New Jersey ... .WSFS pursuant to the Notice Of Debtor Letters, XXXX XXXX to the exemplified affidavit and Prime pursuant to the XX/XX/2021 Professional Services by attorneys at the Law Firm of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

We dispute that any of the foregoing parties, WSFS, XXXX or XXXX have a valid claim and demand strict proof thereof. 

Thank you for your assistance in ensuring that a verified proof of claim/proof of debt is provided, absent which the foregoing three parties and their attorneys are hereby directed to withdrawn and dismiss Case No. XXXX in the Superior Court of XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2020-12-02
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. (PA)

Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans 2nd XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Trans XX/XX/XXXX
Consumer complaint received 2022-02-10
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. (OH)

Experian adding fraudulent inaccurate information to my credit report. 

While reviewing several documents from experian I discovered my name being reported, posted, available and shared with other reporting agencies and credit monitoring programs. I only carry one single legal name which has never been changed. Experian has illegally added someone elses last name to my credit report and has it listed twice. This is absolutely NOT legal and Experian has no rights to address me in such a way calling me out of my legal name and sharing this false information. As a result of that an account belonging to someone else has been placed on my credit report with XXXX and because experian has been reporting and providing others with false information XXXX refuses to remove that account. 

Experian continues to fraudulently add and report false information, when I discover the inaccurate info and dispute it, experian retaliates by reporting MORE .... I've attached evidence as proof. 

Experian has reported an unknown fraudulent address 3 times, listing it as an " business '' Proof experian is allowing unknown and unauthorized persons access to my report. With this unknown address listed, puts my family and I in danger and at risk for harm. 
More fraud, My business name has somehow been added to the report but its VERY obvious it's intentionally and poorly spelled, misspelled with poor letter placement making it unrecognizable as a legal entity and could never prosper, never gain any type of business benefits such as credit, grants nor loans. 

Because I have rebuilt my credit and have A PERFECT 100 % on time payment history with a good credit mix and my profile isn't run by subprime and predatory lending accounts and loans, Experian continues with the fraudulent activity and went as far as fraudulently placing ID security fraud alert onto my credit reports!!! This is SICK and disgusting how these credit reporting agencies are allowed to sabotage consumers struggling during an gobal pandemic or at ANY time! 

Never once did I initiate fraud alert to be placed on my credit report. I AM REBUILDING after my bankruptcy Attorney, Attorney XXXX XXXX sold my XXXX XXXX discharged bankruptcy to bankruptcy debt buyers that buy only XXXX and XXXX cases ..... including the debt buyers in the case as a creditor, altering many accounts to appear different from the discharged accounts totally disregarding a federal court order, 5 years later discharged accounts active AND reporting and some STILL trying to collect on the debt! And I super HATE the fact CFPB arent really for the consumer. And definitely dont enforce laws, rights nor fairness.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX RADIUS GLOBAL 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 RADIUS GLOBAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Real Time Group, Inc. (NY)

Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it.

-RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

This is a debt against an old apartment lease. I left the apartment with the understanding all was paid. I recently started to monitor my credit and found this collection account that I was not aware of. I lived in XXXX  XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. I now have this negative collection for a debt that I have never been contacted or received any type of bill. I have had perfect rental history for over 10 years. If there was an issue with this complex, I would have reached out to resolve it. Unfortunately while I lived there, I had an issue with one of the office personnel who was on XXXX and she knew that my kids and I were aware of the situation. I would like to get this resolved as soon as possible. It is hurting my chances to try to rent a new apartment. I was in the same home for 3 years. They had plenty of time to reach out.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I signed up for the American Express Gold Delta card. Terms of the sign-up bonus was {$2000.00} spent in XXXX months and receive XXXX bonus miles. I hit the {$2000.00} spending in XXXX XXXX. 

Outgoing calls to AMEX XX/XX/2022 AMEX CSR recommend I wait XXXX weeks and my miles will be credited to my account. 

XX/XX/2022 AMEX CSR states I wasn't eligible for the sign-up offer. The previous CSR stated otherwise. Case file was opened. 

I have no closed accounts. I've never owned this particular credit card before. Nor have I ever received this particular bonus before.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Recieved an email from a law firm called XXXX XXXX XXXX demanding XXXX in fees or to settle for a little over 800.00 by this Friday and stating they are going to contact FBI, etc. That I know I didnt borrow those enormous amounts. Feel harassment. Leave me alone. Stating accounts going to be levied?????? I dont have a job.
Consumer complaint received 2020-09-01
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. (NJ)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.
Consumer complaint received 2020-12-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, TX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STATE OF TEXAS/XX/XX/XXXXXXXX Open. 
{$2100.00} XX/XX/ STATE OF TEXASXX/XX/XXXX XXXX Open. 
{$800.00} XX/XX/
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (LA)

American Express is making frequent and unreasonable attempts to increase the interest rates applied to my account. The increases are in excess of 150 %. I have contacted American Express multiple times to resolve this, and they agree to call off the increase, but they immediately resume their attempts raise the rate the following month. The increases include the regular APR as well as extremely high " penalty interest ''.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.