davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

I received a notice of collections ( XXXX XXXX ) on XX/XX/XXXX. Immediately, I sent a verification request and dispute as my records showed the alleged account was beyond satisfied. The Debt Collector never responded to my verification request but continued to contact me and collect the debt. 
On XX/XX/XXXX I was contacted by one of the Debt Collectors agents by phone who immediately demanded payment. I informed the agent that I had sent a verification request in writing, well withing 30 days of XXXX XXXX and had not received a response. The agent acknowledged receipt of my dispute and verification request but still asked for payment. I further pressed the issue about them not responding to my verification request and continuing to attempt to collect the debt which violates the FDCPA. The agent took a moment to review the notes in my " file '' and informed me that they had requested the verification information from their client but had not received it and therefore had not yet responded to my verification request. I asked that they cease calling and to only contact me in writing. 
On XX/XX/XXXX I was alerted to a new collections account that was reporting on my credit as of XX/XX/XXXX. I immediately disputed the accounts online and provided copies of the written dispute and verification request that I had mailed to the Debt Collector. The credit bureaus quickly returned their answers to my disputes and to my great dismay, had " Verified '' the accuracy of the debt and had deemed it valid and to have met FCRA requirements. 
On XX/XX/XXXX I contacted the Debt Collector by phone as the next step to obtain a resolution. I spoke with an agent who asked for payment on the account first thing. I explained the situation to her about my dispute and the credit reporting. The agent reviewed the notes on my " file '' and relayed that they still had yet to receive the requested information from their client to properly verify the debt. I was placed on hold while the agent spoke to their supervisor about the situation. The agent returned and informed me that they were closing out the account and returning it to their client. I asked about the items on my credit and was told that they would be contacting the credit bureaus to have them removed. As of XX/XX/XXXX, they are still reporting on my credit. 
Following my written verification request this Debt Collector acted in complete negligence and disregard to the FDCPA and the FCRA by ; 1. Continuing to attempt to collect the alleged debt after receiving and not responding to a written verification request sent within 30 days. 2. Reporting collections account to my credit without responding to a written verification request. 
The collections account prematurely appearing on my credit profile has had a severe negative impact that has affected me financially and has halted me in my attempts to use my credit.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I have spoken to these people a few Times i have never had a crimal case in XXXX never been to this town in my life the last time i spoke to them i asked for the info and it was for a XXXX XXXX XXXX male and im XXXX XXXX XXXX male this company cant understand this and my dl number is one digit differnt but im not giving it to them they have the wrong person please stop sending me letters
Consumer complaint received 2020-05-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I've spoken to Transunion several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX  that the Transunion claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is Transunion 's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-28
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. (FL)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; CPS Inquiry Date : XX/XX/XXXX ; CPS Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to formally request the blocking and deletion of the following account and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are fraudulent. 
The following account must be blocked and deleted immediately : UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION ()

In XXXX, we relocated to XXXX from XXXX and we opened a bank account at XXXX XXXX  XXXX XXXX, MA. We have been using the account for many years and we always kept it in good standing as our credit history demonstrates. In XXXX, we moved back to XXXX but we agreed to keep the account open. We informed the bank of our change of address and they updated our contact details in their system. We continued to maintain and access the account online without any major concern, and we continued to receive monthly statements that were mailed to us in XXXX. In XXXX, XXXX XXXX  was acquired by Peoples United bank. 

Following the acquisition, our online access was terminated and since then we have not been able to access our account online. I have contacted the bank several times and requested that they set-up our online access again to allow us to monitor the account and perform transactions, but we were informed that due to the fact that we don't have a residential address in the US we are not able to access the account online. They also informed us that would would have to take a trip to XXXX and visit the bank in person if we wanted to make any transaction or close the account. However, we continued to receive monthly statements by mail. In XXXX, we were informed that Peoples United bank would start charging {$3.00} per statement sent by mail and we've been debited {$6.00} per month since then. 

The inability to access our account and funds is a clear infringement to our rights as a customer of a XXXX XXXX. I have sent a message to the bank using their website informing them that we would log a complaint with cfpb but we did not get a reply.
Consumer complaint received 2020-05-22
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: Nelnet, Inc. (TN)

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with XXXX in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to XXXX deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES Act suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXX XXXX own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by Great Lakes complain of their damaged credit caused by no fault of their own. Following borrower complaints, Great Lakes has publicly acknowledged its error. 

Great Lakes is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands Great Lakes immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, XXXX, XXXX and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article https : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on XXXX, XXXX, AND GREAT LAKES! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was  designed for. It is supposed to help not DAMAGE!
Consumer complaint received 2020-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have a HELO with Fifth Third Bank. It is setup, as mandated by the Bank, for automatic interest payments to come out of our Fifth Third checking account every month. The bank required us to open the checking account for the HELO loan - it was mandatory for the HELO terms. The bank also said that ONLY interest will be taken out each month from the checking account, and that we would need to make a separate principle payment IN ADDITION to the auto withdraw.

Each month, I make one or two PRINCIPLE ONLY payments. I clearly note that it is principle only and I use Fifth Third 's online payment, by selecting OTHER  PAYMENT option rather than the Regular Monthly Payment ( which is interest only ) and in caps in the memo I clearly specify that it is Principle Only. The Regular Monthly Payment Option is only for interest, and is not selectable since I have the mandatory auto pay from the checking for that interest payment. 

I called the bank and they refused to reapply my PRINCIPLE ONLY payment to the principle. They said I would need to call back in 10 business days and make another request.

This is a common practice of Fifth Third bank and has been going on for over three years on both my mortgage and on my recent HELO. This banking practice makes it very difficult to paydown the balance and this practice should be illegal.

After a second call and a conversation with the Supervisor, I was finally able to have them curtail the payment to a PRINCIPLE ONLY payment. However, the XXXX said that they DO NOT take early payments. Fifth Third does not allow you to pay your mortgage payment ahead of time. So if I wanted to pay XXXX and XXXX mortgage payments in XXXX, I can't do that. If I want to pay my principle on my HELO down before they deduct the interest, I can't do that. THIS BANK MAKES IT IMPOSSIBLE TO PAY PRINICPLE DOWN EARLY on HELOs and to make advanced mortgage payments.
Consumer complaint received 2020-01-24
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. (TN)

I was denied credit on XX/XX/2020 from The XXXX XXXX based on information obtained through Equifax. After a review of my credit report I found that Equifax is still reporting inaccurate information. Their failure to correct my report has caused a delay in an offer for a job and now a denial of a credit card. Specifically they continue to report outdated, inaccurate, and incomplete information. 

XXXX # XXXX Reporting payment status as ( bad debt & placed for collection ) This account is paid in full and reporting on XXXX and XXXX as paid XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Equifax legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 

In addition to Equifaxs data breach and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 

Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to XXXX complaint ( s ) filed against business XXXX complaint ( s ) filed against business
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

XXXX - XXXX15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has XXXX significant harm to my credit profile. The case XXXX XXXX Experian Information Solutions , IncXXXX XXXX. XXXX ( XXXX Cir. XXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,