davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2019-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Equfax has violated the Fair Credit Reporting Act by keeping a creditor, XXXX XXXX on my credit when I have provided evidence XXXX XXXX has provided inaccurate information on my credit when has been removed three times. 

This account was removed from my credit due to violation of the Fair credit report since XX/XX/XXXX. XXXX XXXX has violated the Fair Credit Reporting Act and the Magnuson-Moss Act and the Truth in Lending Act by the following : under 1692f by acting as a debt collector and and creditor on a warranty attached to a service loan, 1666c prompt and fair credit payments, and 1681c requirement relating to information contained in the credit report. 

XXXX XXXX has presented 2 original loan balances in the amount of XXXX and XXXX and both showing a past due balance. 

In XX/XX/XXXX I contacted Equifax by phone in verifying if XXXX XXXX was on my credit and was told it was removed. I found out by pulling my credit XXXX XXXX is still on my credit. XXXX XXXX balance is inaccurate because the warranty that was attached to the property was non delivered and the dispute is in pending litigation in the court.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} Citizens Bank {$2200.00} XXXX XXXX  {$2200.00} XXXX  {$2200.00} XXXX XXXX   {$300.00}
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXXXXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX   {$300.00}
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I did a stupid thing I admit. I met a guy online and he persuaded me to give him my credit card and bank information. He said he would take care of everything. He deposited a fraudulent check into my bank account. He also made payments on the credit cards using bank accounts, I believe they are fake or other individuals bank information. I do not want to be accused of stealing. I seriously regret what I did and through this I am learning from it. I
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IA)

On XX/XX/18, I opened a Sears card and charged XXXX to it. I never received my card or any statements. I went to my local Sears the end of XXXX to pay my card off, and there was no account under my social security number. Then in XXXX, I got a notice from a collection agency stating I owed {$2600.00}. I called them right away and told them I never got my card and I believe somebody was using it since I didn't charge that much. The collection agency launched an investigation. Again, I went up to Sears to pay and they had no account under my social security number. I called the collection agency back to pay and they no longer had my account as they launched the investigation. Finally the end of XX/XX/2018, I was able to pay my debt in full ( {$2100.00} ) but now I discovered that my credit score took a major hit for this. If Sears would have sent me a statement or let me pay at the store, it would have been paid sooner. But since they went through a collection agency, they ruined my credit even though I paid in full right away.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX  XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX   {$2200.00} XXXX {$2200.00} XXXX XXXX {$300.00}
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I XXXX XXXX do not owe XXXX XXXX XXXX. Reporting on my credit report as being closed in XX/XX/XXXX I did not use XXXX dollars I am disputing because I requested this account to be closed XX/XX/XXXX and they failed to do so. The account is with collections agency XXXX and this is the correspondence I sent to them. On XXXX XXXX. 

To whom it may concern : I XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Reference XXXX XXXX # XXXX I am writing to dispute the account referenced above. I have disputed this account information prior to today which is XX/XX/XXXX inaccurate with you and you have returned correspondence to me and stated you were able to verify these debts. How is this possible? Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and have been unable to get them to verify the information that they are reporting to you, they have not even verified that these are indeed my debts. 

This debt is not mine and I was given no evidence of my obligation to pay these debts to this creditor. I would like proof and not a computer generated print out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

I request that you send me a copy of my updated credit report showing the elimination of the items mentioned above. This copy must be provided free, according to 15 USC section 1681j. 

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681o of the Fair Credit Reporting Act, Civil liability for willful noncompliance. You credit may be liable for : 1 ) Any actual damages I sustain by your failure to delete the items 2 ) Defamation 3 ) Violation of the Fair Credit Reporting Act 4 ) punitive damages as the court may allow 5 ) costs of the court action, plus attorneys fees Best regards, XXXX XXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (NC)

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX  and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (NC)

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Received collection notification from Calvary Portfolio. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for XXXX XXXX  / XXXX. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.
Consumer complaint received 2019-05-30
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

ONCE AGAIN! XXXX IS FALSELY REPRTING XXXX CAPITAL ONE BANK ACCOUNTS AND XXXX XXXX   MARATHON AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED XXXX TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (PA)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX ) XXXX Date Reported Opened XX/XX/XXXX Date Reported Closed XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$510.00} Company named above claims I have as : Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$510.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so ; 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Consumer complaint received 2024-11-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prosper Marketplace, Inc. (TN)

Company stated that payment was not made in XXXX XXXX. Attached is verification of pymt made and loan is now paid in full ( which company has yet to report ). Loan term was over several years and payment was an auto deduct and never late yet company is now saying there is a 30 day late payment and reporting it as bad debt on my part when there never was a late pymt made. I attempted to contact company on XX/XX/XXXX and spoke with a representative who was extremely poor in articulation, extremely difficult to understand and still could not provide an answer that explained my situation. I asked to be transferred to a higher manager and was refused. She said I would get a call back from someone who could explain which has never happened. I have had XXXX late pymts on any acct ever! And certainly did not plan to start with this company. I feel they are deceitful in practice and would not want any anyone else to experience my frustration. I have previously had loans with XXXX XXXX and XXXX in the past without any issues and would return to them. Terms of loan were clear and auto paid for previous loans without difficulty. Would like for prosper to really think about how this loan for the first 98 % of the loan was paid on time every month until the very end. Not sure where this break down occurred but it certainly is not on my end if I had been paying timely for the amt stated month after month. Seems very fishy and deceptive on their part.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX medical collection are reporting under my equifax credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through equifax but they have not been able to help me as always never helpful. i have medical and medicare i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

I have contacted Navient several times, since XX/XX/XXXX in regards to my student loan interest rate, which is consistently increasing. I contacted Navient again on XX/XX/XXXX to obtain loan information, but was not provided any additional information. 

My original interest rate with XXXX XXXX ( loan originating servicer ) was 4.5-5.0 %. According to Navient, the promissory note received from XXXX ( second loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate ( currently 7.2 % ) instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from Navient and have not received the information.However, the company did send me a copy of my original loan application, which also does not detail interest rate or loan terms. 

XXXX sold my student loans to Navient in XXXX and according to XXXX, they provided all available loan documentation to Navient.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : REIMER LAW XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX that gave you the right to collect this debt
Consumer complaint received 2019-09-12
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. (IL)

Equifax ; XXXX and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX  partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.