davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IL)

I checked my credit report online and saw a collection account listed by Caine & Weiner for XXXX XXXX in the amount of {$99.00}. I never received any communication from this agency relating to this alleged debt prior to it being put on my credit report. I do not owe XXXX any money and I would have told them that if they would have notified me in advance as per FCRA guidelines.
Consumer complaint received 2021-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX Visa for {$480.00}, and Capital One for {$190.00} and {$190.00} totaling {$870.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 

I did as the lender asked and repaid the {$480.00} from my XXXX XXXX Visa and the {$190.00} and {$190.00} from my Capital One MasterCard. The deposits were returned on XX/XX/2021 - over 30 days later. 

The deposits were made from a XXXX XXXX XXXX account. 

Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that the FBI could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 

I thought that the FBI could perform a search on this XXXX XXXX XXXX account # XXXX and see if this account had made any other deposits in any other bank account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.
Consumer complaint received 2018-07-05
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. (IN)

I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.
Consumer complaint received 2018-07-05
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. (PA)

Experian Report # XXXX XX/XX/18 Experian has not updated m several accounts as paid listed as paid on time or nothing since XX/XX/2018 XXXX XXXX account ending in last 4-XXXX XXXX XXXX XXXX XXXX account last 4- XXXX/ XXXX XXXX XXXX account last 4-XXXX  XXXX XXXX   account -XXXX XXXX XXXX XXXX XXXX last 4- XXXX   XXXX XXXX XXXX last 4- XXXX I call all of these accounts and was told that they report for the month so that means Experian is not updating credit reports as they state there doing month to month.
Consumer complaint received 2020-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Experian is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Consumer complaint received 2016-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (CA)

I want to commend XXXX XXXX the Director of this agency on it 's successful lawsuit against Midland Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX..I am having the exact problem " again '' with this cockroach collection agency. Out of nowhere there appeared a completely bogus fraudulent item on all XXXX of my credit reports. I mean completely fraudulent!!! Exactly what you sued them for is exactly what they are doing to me. The item actually says " all historical data deleted ''!!! XXXX, and XXXX immediately removed the item, but XXXX has not. I want you to know since XXXX is based in XXXX I filed a complaint with the Attorney General of XXXX.I received an email form them last week saying they have received my complaint. Director XXXX, I implore you to again take action on this XXXX company. May I respectfully ask you? How come no one has gone to jail here? This is Criminal Enterprise!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-08-01
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: Experian Information Solutions Inc. (TX)

I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INDEPENDENT BANK CORP. (MA)

Dear Mgmt Team at Rockland Trust ; - I thought I was protected under the CARES ACT during this COVID-19, but today when I check my credit report and scores, I was shocked to find out that my mortgage company marked me late every month since the global pandemic even though we had prior accommodation that we had agreed upon.
Consumer complaint received 2020-08-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TN)

I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX
Consumer complaint received 2021-09-14
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. (CA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (MI)

I was contacted by Ameritech Financial about my student loan debt. I was told by a member that they would be able to help me save {$41000.00} dollars. I worked with XXXX XXXX and XXXX XXXX. These individuals above led me to believe that this company would help keep my payments at a fixed income and that after 10 years my debt would be wiped clean. I was provided these figures : I was currently pay {$230.00} a month on my student loans. {$260.00} XXXXX = {$3.00}, XXXX x  XXXX = {$78.00}, XXXX  in student loan debt. 
They helped me enroll in a program for a family size of 4. For seven months I paid them {$230.00} starting on XX/XX/XXXX on months 8 and beyond I paid {$120.00} a month. {$27.00} was to go towards XXXX and {$99.00} was to go to AMERITECH FINANCIAL to disburse to my student loans on my behalf. The XXXX was to receive {$26.00} I was instructed that the {$120.00} for a year= {$1500.00} x XXXX = XXXX, XXXX. Thus saving me {$41000.00}. I was made aware that the FTC was filing a suit against XXXX XXXX on XX/XX/XXXX. I have contacted them to cancel my business with them and gain control or my student loans and I have not heard from them. I want to know where my money that I paid them went to.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I currently have only 1 credit card ( secured ) with Citibank. I have been checking XXXX  XXXX  and other credit assisted apps and have also been on XXXX  and it shows I have another open credit card from Citi all it says is Citicards CBNA, Opened XX/XX/2020. With a {$38.00} Balance. Im certain this is affecting my credit, and at this time Im really trying to get my credit to a good enough score to help my daughter in her future. Please if you Could contact me and please get this card and {$38.00} off my report. 
Thank you. 
Respectfully, XXXX XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (SC)

I have hard inquires ( negatively affecting credit ) on my credit report that are fraudulent from the following two companies : " Synchrony Bank/Lowes '' and " XXXX XXXX XXXX XXXX Associated with XXXX and XXXX, respectively. 

I have filed a police report, a complaint with the FTC, and now with the CFPB. I've had success getting 1/3 credit bureaus ( XXXX ) to remove these inquires. The other two ( XXXX and XXXX ) will not. I have talked with both companies and both credit bureaus to no avail. Each one says to go through the other. The companies say that there is " no account '' despite the fact that there doesn't have to be with an " inquiry. '' With that, they " can not and will not '' reach out to the credit bureaus to remove these inquires. I find this hard to believe given they reported the inquiry in the first place. 

On the other hand, the bureaus request that the companies do this. I have provided them with the police report, FTC complaint, XXXX letter removing the inquiry ( why can't you do the same given the law? ), letters from the companies showing inaccurate information not related to me, and even used a credit protection service via a 3-way call. 

This is insanity. Why can't these FRAUDULENT inquires be removed?
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that XXXX XXXX  " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives! THERE IS NOTHING TO " INVESTIGATE '' THE LETTER ATTACHED IS ALL YOU NEEDED TO SEE. REMOVE IMMEDIATELY BEFORE I SUE AND EXPOSE THESE ILLEGAL PRACTICES!
Consumer complaint received 2022-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NY)

Had a 24 month interest fee loan. 

Synchrony Bank Account # XXXX It expired end of XXXX without notification.I tried to call them when I received invoice in XXXX. 
they added on a card security fee which we did not approve of XXXX a month total {$4000.00} also they added back the interest for the 2 years of XXXX. 

When we got the notice we sent the total amount owed of {$12000.00}. 
I did this to avoid any additional issues but they still owe me back the {$4000.00} which they took without approval. 

I ve tried several times to discuss with getting to the approbate channels.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NV)

Account debt in question.XXXX XXXX FKA XXXX account number XXXX This account is listed as being 30 days late. I have never been late on this account. Please correct this account accordingly within 30 days. This has been false reporting to my credit report. And Experian have allowed my dispute to become unaddressed over 30 days. Please delete the 30 day late report on my account. I have never been late.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Recovery Services, Inc. (GA)

Hello to whom may read this, I have been working on Quality Recovery Service collection company for approximately 2 years and I requested for an removal from my XXXX credit report which debt has been paid in full. The date collection was filed on was XX/XX/XXXX, updated status is paid and full as of XX/XX/XXXX in the full amount of {$4200.00} balance is now at XXXX ( XXXX ). I have also submitted attachments far as explaining the account has been paid in full. I have worked with XXXX XXXX as well to help me remove this collection and they have challenged this collection for a year ( exact date XX/XX/XXXX ). I have made my payments for deletion and nothing has been removed. Please with your help to seek the satisfaction of removing from XXXX credit report ( see attachment )
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (LA)

I have an eviction on my credit report, not because I could not pay it I refuse to pay it, because I thought I was treated unfairly. I had 10 days left on my lease, upon moving out I found plenty of mold along the baseboards. I was constantly sick that year and did not know why. I left immediately giving them another notice when I found the mold. ( aside  from the 60-day notice ). They sent me a bill for {$1800.00} I decided to go to the court. Judge stated I had to pay {$730.00} rent, {$58.00} court fee, {$180.00} attorney fee, which they agreed. They sent to collection for {$1500.00} and sending me a bill for {$1800.00} Until we get this settle I guess I will have the eviction.  I cant get a decent place to live.
Consumer complaint received 2019-06-05
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. (CT)

Let me make this clear to you, XXXX is my student loan account but DP OF EDUC XXXX IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Remove multiple entries of DP OF EDUC XXXX, I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting
Consumer complaint received 2022-09-14
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.