davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

About 2 years ago I decided to leave XXXX because they kept charging me for phones, tablets, and other devices that I did not have. When I brought this to their attention they continued to ignore me and when I did get a live representative they would tell me I had no choice and that I had to pay even if I was never given a phone they were charging me for. 

After going through this and my bill continuously being incorrect I finally got to the point that I decided I could not take it anymore as it was causing me stress and I do in fact have XXXX  and XXXX XXXX XXXX. 

When I tried to cancel they would apologize profusely and start making me offers in order for me not to leave their company and I ended up staying longer but when they continued to charge me erroneous fees I finally could not take it and decided to cancel and I ended up going to XXXX XXXX XXXX. 

When I left I paid the amount I owed and at that point, I did not hear from them for about 2 years. 

However, I recently received a bill out of nowhere appear on my credit report for {$3000.00} from a collection agency called Enhanced Recovery as of XX/XX/2021. 

Not only did I get this applied to my credit report I am now receiving threatening phone calls telling me that if I do not pay they will take me to court and even after expaining to them that I do not owe they are very rude and keep calling ane refuse to take this erroneous account off of my credit which has dropped y score dramatically. 

Please review this as after exploring this company and XXXX I read many reports of them doing this to others with the exact same story but I'm sure once they realize they can't take advantage of me I am hoping they will remove it from my credit report and if not I will seek legal advice as I refuse to pay for a bill I do not owe.
Consumer complaint received 2024-02-05
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)

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to my account. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXXXXXX for the cancelled debt of {$9800.00} in order to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 a credit card was opened without my authorization or permission for anyone to open a credit card with my information. Upon reviewing my credit report I found this information. The account is a result of identity theft and this account does not belong to me.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (VA)

I contacted XXXX Credit back in XXXX trying to explain to them that my Credit Builder account on my Experian was posting a Credit Limit and Credit Utilization in which they clearly stated on there website would not be reported. I also, have there advertised " Safer Credit Building '' feature turned on so it should never be a balance on my account. This is a prepaid Credit Card I can only spend what I put on the card so how do I have a balance and a utilization they are reporting of 738 %. 

I have reached out to XXXX  several times as well as trying to dispute with the credit bureau only to have XXXX say the information given was correct when that is not the case. This has been stressful for me and has halted my goal of getting a mortgage for myself and children.
Consumer complaint received 2022-04-30
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. (GA)

Dear CFPB, Today XX/XX/2022 I received the letter response via the USPS at XXXX XXXX regarding the reinsertion of previously disputed results that had been investigated and removed by Equifax. The timestamp on the Equifax letter is XX/XX/XXXX and it was received today XX/XX/2022. Equifax did not notify me within the 5 business days and instead it was a total of XXXX business days and per the FCRA Equifax did not comply with regards the reinsertion of the item XXXX XXXX that was removed and reinserted on my Equifax account the fine print on the letter has a date of XX/XX/2022 ( bottom right ). Also to note what I find interesting is that XXXX XXXX the alleged credit furnisher has not been able to provide me with validation yet Equifax has been able to based on what the furnisher supplied, so I'm not sure how they can say it's valid and XXXX XXXX could not and XXXX XXXX has sent me a letter stating that they are still looking into the issue and investigating to date and still does not have any answers.The letter has no USPS date on it! See all attachments. 

I have attached the letter from XXXX XXXX dated XX/XX/2022 that they are looking into the matter with regards to the account in dispute, stating they are still looking into the matter. So gain, I ask did Equifax take the proper ethical steps regarding this account that is fraudulent and happened under identity theft. I am requesting that Equifax please delete this account immediately and please refrain from destroying my credit worthiness. 

Thanks for your prompt attention into this matter.
Consumer complaint received 2023-02-01
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: WELLS FARGO & COMPANY (PA)

I use XXXX for shipping. XXXX would say pay XXXX rate and then upon paying would change the number to a higher number. I contacted XXXX and they did not have a viable answer. I contacted Wells Fargo to submit a claim that they accepted and reversed the charges. This continued for XXXX  months. Then Wells Fargo REVOKED my card because they said I was XXXX  the card. This action caused XXXX  of dollars in damage and weeks of labor on my part to resolve. I have physical evidence of all of this. 

Last night afetr extensive discussions with XXXX we did figure out there was a problem with their computer system and my account. My account was ported to a new account and everything work exactly as it should for shipping. 

To date Wells Fargo has not even explained why I was punished for the correct action.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (NV)

I had a XXXX XXXX account for over 25 years and the final bill contained late fees that were charged erroneously. I received a collection notice which is attached to this complaint from Sequium Asset Solutions. The notice provided 30 days from receipt of the notice to dispute the item contained in the notice. 

I was not given the benefit of the full 30 days of the notice to dispute this debt, and Sequium reported the debt to XXXX  and likely other bureaus, on XX/XX/2021, just 20 days inside of the 30 allowed by law. This debt was already paid in full via electronic check and still remains on my credit file with XXXX. 

Due to the fact that I was not given the proper 30 days from receipt of the notice dated XX/XX/2021 to dispute the debt which was already paid, I was treated unfairly for not allowing me the proper time to dispute the debt, a full 30 days, which Sequium reported prematurely.
Consumer complaint received 2022-01-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with Experian to correct information on my credit regarding a collections account. As of today, the only thing Experian has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my Experian credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the Post Office receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that Experian is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant Experian do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collectorXXXX XXXX XXXX XXXX XXXX XXXX they are a bunch of XXXX. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks
Consumer complaint received 2022-04-30
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. (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-02-01
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: Navient Solutions, LLC. (MD)

I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.
Consumer complaint received 2018-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (TX)

I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (CA)

So on XX/XX/XXXX of 2023 i ordered an electric bike from a company that is tagged under cash app as XXXX for {$59.00} usd and since then have received no bike, no emails returned, and no correspondence whatsoever and so i requested a refund through cashh app and they denied my claim and told me if I wanted to see what paperwork they used to come to their denial, i could ask, which i did, and to this day ive received nothing from cash app either. All my emails and correspondence with the the company XXXX has also fallen on deaf ears.
Consumer complaint received 2022-08-17
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. (WA)

I am so bewildered about this situation. I've submitted this complaint numerous times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Equifax is not removing or blocking the accounts per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There are 6 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}