davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-11-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

THANK YOU FOR YOUR ASSISTANCE. I ALSO SENT THEM THE LETTER YOU RECEIVED. THERE IS ALOT TO THIS MATTER, MORE THAN IS EXPLAINED IN THE LETTER. THIS FREEDOM MORTGAGE COMPANY BOUGHT OUR LOAN FROM XXXX XXXX, BUT DID NOT NOTIFY US UNTIL 27 DAYS LATER. I DID NOT SEND THE XXXX PAYMENT TO ANYONE SINCE XXXX XXXX INFORMED ME XXXX XXXX THAT THEY SOLD OUR LOAN AND WE SHOULD HEAR FROM THE NEW MORTGAGE COMPANY WITHIN 15 DAYS, AND WE DID N'T GET NOTIFIED UNTIL XXXX XXXX. NOW FREEDOM MORTGAGE COMPLAIN THAT WE DID N'T SEND OUR XXXX PAYMENT AND THEY TOLD THE CREDIT REPORTING BUREAUS THAT WE ARE ONE MONTH LATE ON PAYING, WHICH HAS RUINED MY HUSBAND 'S XXXX CREDIT SCORE,  AND TWICE A WEEK WE GET MAIL THREATENING FORECLOSURE. THEY ALSO SENT A MAN HERE TO TAKE PICTURES OF THE HOUSE. ALSO THEY ARE ASSESSING LATE PAYMENT FEES AND OTHER FEES EVEN THOUGH MY BILLPAY PAYS ON THE XXXX OF  EVERY MONTH. I AM GOING TO START PUTTING THE MORTGAGE PAYMENT INTO AN ESCROW ACCOUNT UNTIL THEY STOP THEIR ILLEGAL PRACTICES.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (TX)

There is a debt on all 3 of my credit reports. I seen this on XX/XX/XXXX that it was reported on XX/XX/XXXX in the amount of {$850.00}. Account number is XXXX. 
I was not aware of this debt first. Never received anything from the collection company nor the original debtor. Also, I do not know or have any ties to this collection agency. Another thing, I was never seen at the original organization that this debt is claiming to be. By law, you can't report any debt without notifying the consumer first. This is also a HIPAA violation by medical law. Because I did not give the right to any collection agency to have my information disclosed. That is private and confidential information, anything pertaining to me is private and was not to be shared with a collection agency or any other agency. I have contacted my attorney regarding this collection agency who is trying to damage my credit illegally and against the original creditor for selling my information to them. When a person signs a HIPPA form, it's for this reason right here. And it has been violated by law.
Consumer complaint received 2021-06-30
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. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO APPLY FOR THESE FRAUDULENT ACCOUNTS AND FILL OUT APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pangaea International Receivable Services Inc. (FL)

we asked the XXXX XXXX have our company name ( XXXX XXXX XXXX ) in their system and get everything ready for when our company start ruining we dont have to waste time on marketing time and setting up. They told us over the phone is one payment of approximately {$380.00} dollar and we asked them to just add us in their database and not start any campaign or marketing and after few months we realize they are taking money out of our account with out our permission and we called the bank and got our money back. We had no contract with them what so ever and we only agree to one payment of which was approximate {$380.00} dollar which we paid them. after we find out they are scamming us i contact the agent and i kept all the emails back and forth and he say that their department made mistake and dont worry about it. and they still send it to collection agency.
Consumer complaint received 2022-02-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.
Consumer complaint received 2019-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the AB is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.
Consumer complaint received 2020-10-08
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: Resurgent Capital Services L.P. (CA)

Failure to provide Method of Verification within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor. LVNV FUNDING LLC XXXX Date Opened XX/XX/2017 Balance {$700.00}
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio debt collection illegally put false information on credit report. They are saying I owe a medical debt from XXXX XXXX. This a medical use card that was paid by my insurance called XXXX. They first XXXX out my balance and then reported it. I called Portfolio services to have them remove this debt from my credit report. They told me I still owe. So I offered proof of payment and my credit report that shows where THEY PUT XXXX AS MY BALANCE. THE ORIGINAL DEBTOR XXXX XXXX RECIEVED PAYMENT FROM MY MEDICAL INSURANCE XXXX  before it was sold to portfolii service
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (GA)

My student loans were forgiven in XXXX XXXX with an effective forgiveness date of XX/XX/XXXX. I have XXXX qualifying PSLF payments of which XXXX were prior to the COVID pause. It took almost 2 years to get them to process my forgiveness. On Mohela 's website it states that refund of payments in excess of XXXX would be happen within XXXX calendar days. It is now over XXXX calendar days. I have called Mohela and send messages and they can't tell me anything. I filed a message with Federal Student Aid and they didn't answer any of my questions.
Consumer complaint received 2022-01-06
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-01-26
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: BARCLAYS BANK DELAWARE (FL)

Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX  for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Consumer complaint received 2018-01-26
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: WELLS FARGO & COMPANY (IL)

I've recently pulled my credit report and noticed that there's a collection from Wells Fargo Mortgage on my credit report. Over the past 4 months I have requested validation of this account from Wells Fargo. As of today ; I have not received any correspondence from Wells Fargo regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. Well Fargo Mortgage is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until Wells Fargo validate this debt, they can not continue collection activities nor report this information on my credit report.
Consumer complaint received 2018-01-26
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. (OH)

I have sent numerous letters to Equifax requesting how they verified a bankruptcy reporting on my report. Each time they have come back and stated that they verified it with XXXX. Each time I provided evidence from the courts as well as XXXX. So how is this possible? XXXX do not match public records data to consumer credit files for Equifax. Equifax performs the matching themselves. According to the FCRA, if requested properly by the consumer the reporting agency must provide documentation that the negative item is mine, according to the FCRA, the item is classified as Unverified, and all unverified accounts must be DELETED!! XXXX deleted the account because it could not be verified, neither can they .... now it must be deleted!!
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

i have been workinig with the companyy to repay mortgage behind by 20 months i have been told i am eligable for plans then the company doesnt give me the correct information. i spoke with sps was told i was eligable for a program in MN then 2 days afer when i called back i was told my account had been sent to an attorney and i couldnt even make a payment and there was nothing they could do. i was informed there is a moritorium on forclosure in my state and they are supposed to allow me a loan modification by extending the term of my mortgage. they have given me a date of XXXX XXXX for the attorneys next step. i want to keep my home and have even sought forbearance. at this point they have no interest in helping.
Consumer complaint received 2020-10-08
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. (CA)

I had fraudulent charges on my credit card account back in 2017. I reported it as fraud. It shows fraudulent on the bank statement, but the issue apparently wasnt resolved like I was lead to believe. Due to this still being on my account the bank which is XXXX  XXXX XXXX reported this account to the credit bureaus as a charge off. Ive contacted the bank regarding this as well as the credit bureaus. One of the credit bureaus fixed it in their system but experian is stating that XXXX  XXXX XXXX is telling them not to remove the wrong information. When I try to contact XXXX  XXXX XXXX regarding this I cant reach anyone about it instead Im transferred for 2 to 3 hours back and forth having to explain the whole situation every time to the different departments. This has happen multiple times. They refuse to make this right and keep giving me the run around.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (CA)

Received a notification that there was an inquiry on my credit report. On XX/XX/2022 there was a Hard inquiry on my Experian report to open a new XXXX XXXX XXXX XXXX installment loan/Bank account XXXX
Consumer complaint received 2018-01-26
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. (DE)

I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Consumer complaint received 2018-01-26
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. (DE)

I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Consumer complaint received 2018-06-06
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. (NV)

XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.
Consumer complaint received 2021-06-30
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. (OR)

XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

Chase refused to remove the lates of my credit report.
Consumer complaint received 2020-10-08
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MS)

i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.