davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

I am a consumer of the United States and CB/victoria secret is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/victoria secret has committed.
Consumer complaint received 2022-06-27
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. (FL)

I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 accounts that are reporting on my Credit Reports : WELLS FARGO BANK CAR ***** Opened Date XX/XX/XXXX Balance {$180.00} // Charge Off WELLS FARGO CARD SER ***** Opened Date XX/XX/XXXX Balance {$870.00} // Charge Off
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the past XXXX months, I have had two Hard Inquiry from XXXX, I currently obtain no credit or purchase anything from this financial institution. I have attempted to call twice and they indicated nothing shows in there part at the same time this affected my credit score, Please advice what can be done in this matter
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

We entered into a forbearance program in XXXX of XXXX ( it is now XX/XX/XXXX ) due to diminished income due to COVID-19. We have stayed in CONSTANT contact with Freedom Mortgage. We started telling them we were ready to come out of Forbearance in XXXX of XXXX and exploring which option was best for our situation and we chose to do a Loan Modification. Since XXXX we have had 3 Loan Modification approvals issued and still zero modification paperwork from them. We call multiple times a month and but usually multiple times a week to check the status of the Modification documents. Each and every time we are told a difference version of why we still haven't received them months and months later. We have made a few payments during this process as well because every time we call it's different ; one person will tell us we have to make a payment on xxx date because per the current modification approval it states when the payment is due. So, we make that payment and still hear nothing back from them. We have even had multiple customer service representatives refuse to take payments because it would " mess up the modification approval calculations '' So, we call again and are given yet another date as the first payment date on yet another modification approval. This has hurt our credit terribly because the credit bureaus see the mortgage balance going up every month ( Freedom is reporting the balance every month but " no information '' in the payment history ). This has taken our FICO scores from the 750 's to the low 500 's. We were guaranteed over and over and over again in XXXX of XXXX that choosing the Forbearance option during the pandemic would in no way at all hurt our credit. It definitely has. Like I have stated we have done everything in our power to get back on track and make payments they are on their end aren't doing what they promised. This COVID-19 Relief plan has done nothing but hurt us instead of help us as it was supposed to be designed to do. We desperately need help getting this resolved. We have done everything possible on our part.
Consumer complaint received 2021-07-20
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. (IL)

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.
Consumer complaint received 2022-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I received a letter dated XX/XX/2022 from Aidvantage stating my federal student loan payments would resume auto debting from my account on XX/XX/2022. This is obviously incorrect as President Biden has paused federal student loan payments until XX/XX/2022. No response from aidvantage when I emailed them about it. They are not authorized to autodebit this amount from my account prior to XX/XX/2022.
Consumer complaint received 2021-11-02
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)

Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to my credit file.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

On XX/XX/XXXX at approximately XXXX I called Credit Collection Services XXXX I spoke to XXXX XXXX. I informed her that I was an Attorney, and I asked that they validate the debt they were trying to collect on. The underlying transaction was from XXXX XXXX on XX/XX/XXXX - Account Number : XXXX Lab Code : XXXX. The outstanding balance had previously been paid to XXXX, and I have confirmed that I have XXXX balance with XXXX. 

When I asked MsXXXX XXXX to validate the debt, she gave me the date of service. I confirmed the date, but explained that there was no balance owed and that she was trying to collect on a debt that was not owed. I said that she needed to validate with XXXX, she said no that I needed to provide proof of payment. I again asked her to validate the debt- she refused. I next asked if her company was licensed in Michigan and to please provide me the license number, she refused. She said she didn't know if they were licensed in Michigan. Next I asked if she was licensed in Michigan, again she refused. 

My complaint is they were trying to collect on a debt not owed, refused to validate the debt, and refused to disclose if they were licensed in Michigan, or to give me their license number. 

I believe that they are not in compliance with the FDCPA. 

XXXX XXXX
Consumer complaint received 2022-06-27
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. (NY)

I disputed an account, it was removed from all the other credit reports except for transunion. I received verbal confirmation that it had been removed from XXXX XXXX XXXX on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to transunion the debt collection agency, the original creditor is still reporting the account as unpaid and open to transunion. I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( XXXX  ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

XXXX XXXX XXXX XXXX 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX Transunion said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to transunion to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.
Consumer complaint received 2021-11-02
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. (CA)

On XX/XX/2021, my home burnt down in the XXXX XXXX I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (NY)

1 ) XXXX XXXX XXXX  Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX XXXX  Account XXXX Balance : {$9100.00} Most be deleted Equifax is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Equifax most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Consumer complaint received 2021-11-02
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: SCA Collections, Inc. (NC)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. SCA COLLECT Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ).

I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXXXXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.
Consumer complaint received 2021-11-05
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 (FL)

on XX/XX/XXXX card last 6 digits XXXX was charged in the amount of {$530.00} for a title transfer, registration and tag at XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX, XXXX XXXX, FL XXXX approximately 3.8 miles from my home, I filled out all necessary paperwork and was told to return the following day after XXXX. I returnedon XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I came back to the place of business five times in a 8 day period in which my tag and title transfer was never completed. I asked the business for a refund however I did not have my card available to place the refund on my card. The merchant explained if I did not have my card that they could not process the refund and I should just go through the bank to process my refund. I went to Wellsfargo bank and they advised me that I should go to the Merchant to process my refund because the merchant did offer the refund and there is nothing Wellsfargo can do. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a refund on XXXX they declined to process my refund because I was already going through the dispute process with Wellsfargo. Wellsfargo is declining to resolve the matter even though I have proof that I went some where else to process my title, registration and tag. I paid approximately {$390.00} to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX for a tag title and registration. The Wellsfargo rep explained that I would not be able to open a dispute again as I have already been through the dispute process, I asked for my claim to be escalated and the representative told me my claim was already escalated.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). After looking over my credit report, I have found fraudulent inquiries. It is my right, according to the FCRA, to request a proper investigation into these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 3 accounts at Bank of America, 1 personal, and 2 businesses. Since the opening of the XXXX XXXX account, I have never received any support not offered products, and didn't get one single credit card. I tried many times to reach the representative but he does not answer back. Business is reaching XXXX in sales this year and is unacceptable for a bank to treat a client like this. I need one representative that can call me and discuss the business and offer products that help small businesses.
Consumer complaint received 2022-01-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-11-02
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. (NY)

I have called several times to the following numbers provided it by Experian Only a automatic system which doesnt option to talk about my dispute or my personal information failing to provide consumers all the information that maintain about me It not letting me to talk with a live agent The letter I have received from Experian have fail to provide any date about my disputes So have try several times to talk with a live agent also failing to communicate XXXX erring my life negatively They dont answer me by XXXX Or XXXX making hard for customers to fix anything or to know about errors or disputes Failing to maintain communication and provide the right information with a automatic system that doesnt give me the options to do so I XXXX XXXX Blame Experian and make them liable for failing to provide me with any proper communication Ignoring me over and over Always going in favor or the corporations instead of the poor people