davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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)

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-12-02
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. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XXXX  and XXXX  . I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have filed multiple complaint against company Portfolio Recovery in the past few months. The first was a request to validate three alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, Portfolio has to provide 5 parts when a consumer request a validation. The company only satisfied only two of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like Portfolio Recovery. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I already had put in a claim with the XXXX  and Cashapp had promised me dispute. My card was taken XX/XX/XXXX, after I lost it at XXXX XXXX on XXXX XXXX in XXXX, nj. The company only returned {$20.00} out of {$85.00} that was used on an unknown site ( they wouldnt tell me what site, XXXX  you search the site nothing comes up ). When I talked to a live representative they told me to file the other disputes, in which after I did so. The company shut down my cards and bank account with XXXX regard of customer care or return of my funds. After, I did what they demanded. They refuse to cooperate with the XXXX  claim and they lied about their resolution of the situation. I have screenshots and emails from the company telling me to request the dispute for my money/ the return of only {$20.00}. This isnt the first time cashapp has done this. In about XXXX or XX/XX/2023, I had an incident with them after I showed hard evidence of my account being breached for over {$200.00}. They didnt do anything but tell me to call XXXX instead. XXXX then ordered me to request the refund through their company and they denied again. I just want my other {$60.00} back and I will then gladly never use their services again. Ive been a consumer on their app for many many years now. Im convinced cashapp is sided with the criminals and thieves of this country. Im not the first to go through this and they treat all of us the same. Robbery and scamming is very intolerant. Thank You.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 furnishes an account without my written instructions.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$2400.00} DEPT OF ED/XX/XX/XXXX XXXX {$2900.00} DEPT OF ED/XX/XX/XXXX XXXX {$6100.00} XXXX, XXXX XXXX {$250.00} ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-08-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MD)

On XX/XX/19, I received a call at my work number from XXXX, When I said hello, they hung up. On XX/XX/19 at XXXX, I received a call from the same number at work stating that they were calling me to collect a debt from a payday loan company that gave them the loan. The person said her name was XXXX from the National Credit Adjusters and the company was located in XXXX. 
She asked to resolve my debt by a payment plan by phone. I told her that I would go to their website get more information and she told me that they would not work with me. I concern is that I was part of those person who credit was breached by the XXXX   situation and the fact that this person was calling me from XXXX. I need to know if I can use the do not call registry. because I believe this is a scam. Your assistance is appreciated.
Consumer complaint received 2020-11-22
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 have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.
Consumer complaint received 2019-08-16
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. (NY)

On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

On XXXX XXXX, XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX stating that " The records of XXXX XXXX show that your balance of {$200.00} is due in full. '' My XXXX account balance is {$0.00} and I have confirmed this with XXXX directly. I do not have any credit cards therefore no XXXX credit card.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (OK)

I paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. 
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-13
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXXXXXX ) and the Creditors ( XXXX : {$7500.00}, XXXX : {$3100.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$610.00}, US Dept ED : {$4500.00} and {$3500.00}, FEDLOAN ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance has, in error, reported derogatory and erroneous information to the credit bureaus for an account that not only has a perfect payment history, but is paid ahead. They have transferred my account to an outsourced department, XXXX XXXX, that is not responsible for these errors. That said, this department can not assist me. In addition, after uncounted attempts, I have been unable to reach an associate at Capital One to assist me. I am repeatedly transferred to XXXX XXXX. I have opened a dispute with the credit bureaus and confident that the matter will be resolved from that end. Regardless, it is unacceptable that I can not get in contact with a Capital One representative to address this matter and should have to wait for the credit bureaus to handle it.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (VA)

Call was placed to number and stated " stop all calls on all accounts. '' Calls were received from this number on the following dates and times. 

XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX After each call to my cell phone, a call from this number was immediately received by a friend on their cell phone in which they stated this was an attempt to collect a debt. Each call to my family and friends requested a call back to XXXX.
Consumer complaint received 2019-08-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I began a home loan process application at Bank of America on XXXX XXXX. 
I was immediately sent to XXXX XXXX on XXXX XXXX on XX/XX/2019. 
I was then called by a man named XXXX XXXX XXXX XXXX XXXX at Bank of America. I spent 2 hours with him on XX/XX/XXXX. He told me to ask for an extension from my landlord since Bank of America was offering a better assistance program on XX/XX/XXXX. I return to the bank on XX/XX/XXXX. The application was started and I went to the bank with more documents and he was suppose to wire the escrow money to title company. The money was never wired. XXXX assured me the loan was approved and it wouldnt be much longer until we can finalize the loan. On XX/XX/XXXX XXXX called and told me my payment would be too high and gave me a womens name at a mortgage company. Her name was XXXX XXXX from XXXX XXXX XXXX In XXXX. She assured me my loan with process and we would have a closing date soon. I never met the this women and her assistant took over my loan almost 10 days later they finally started my paperwork. I went to her office and spent 2 hours with my paperwork. My realtor would reach out to these women and no return phone calls and they basically told me they couldnt make my payment lower. I then went to another mortgage broker XXXX XXXX who advised me to go back to Bank of America and ask why I couldnt loan from them. I return to XXXX XXXX at XXXX XXXX and he starts my paperwork. He informs me that XXXX XXXX never submitted my home loan application. Finally I go back to Bank of America/call and XXXX calls to tell that Bank of America doesnt lend to my condo community in which I live. Ive spent 2 months on this loan applicant ion, reached out to Bank of America and they only respond with Im sorry, they have never offered me compensation for my time, money and stress that I went through to have them decline me of a loan. I have banked with B of A for many years. Im very disappointed in how this was handled. I went to another mortgage company and they were able to tell me within 15 minutes if they loan to my community. I would like to be compensated for my terrible experience with Bank of America In XXXX XXXX.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have sent proof and have asked repeatedly for them to delete the account due to inaccurate information. ChexSystems agreed that is was inaccurate and removed the account but yet reinserted the inaccurate information. I have included a notarized statement of truth as well the case number to my previous dispute with the CFPB.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC (MS)

Yes an agent contacted me for a firm named Sunset Solutions LLC. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of $XXXX. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting Sunset Solutions LLC to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.
Consumer complaint received 2021-02-05
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXXnquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX