davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service (ID)

Action Collections is stating invalid information. I found a debt on my credit report. When I called to handle the debit on XXXX XXXX 2021 I was told that I need to speak to their attorney. When transferred to XXXX, she indicated I owed around XXXX. Of that amount {$850.00} was the debt and interest then the remaining was attorney fees. I have not received any information from Action or this attorney they have recruited to collect for them. They have incorrect address information for me and they refused understand that they were sending information to an address I no longer reside at. I paid the amount of my debt plus interest. Action Collections has made the assumption that I paid that with the " belief '' that I would be paying my debt in full. Not once did I say that. I paid the debt that I owed but I dispute additional attorney fees since I have received nothing in writing from them. XXXX refused to send me a itemized copy of said debt yet expected me to pay the full amount. Action Collections is refusing my payment under pure assumptions. I am a consumer attempting to pay a debt yet they will not allow me to. They stated in a previous compliant that they credited back my payment of {$850.00}. Why??? Why are they refusing to allow me to pay on a debt and now want to take legal actions against me?
Consumer complaint received 2022-06-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (VA)

In XXXX of XXXX Sallie Mae Bank reported to the credit agencies that XXXX of my loans were XXXX  days passed due which dropped my credit by XXXX points. I made on-time payments the entire time I've had the loans. I contacted Sallie Mae to discuss the issue and they had multiple account errors with incorrect information, stating I was in the military and that my deferment period was already used. Both of these statements are incorrect. I've never been in the military. I contracted all the credit reporting agencies to dispute the late payments. I contacted Sallie Mae by phone and by mail. I provided proof of all my payments in XXXX and XXXX both on the Sallie Mae site and my bank statements. I have received no response from Sallie Mae and they have refused to take the derogatory payment remarks off of my credit reporting.
Consumer complaint received 2020-08-18
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. (OK)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX  XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (IL)

I HAVE RECEIVED MULTIPLE ILLEGAL TELEPHONE CALLS THIS MONTH. THE CALLER DOES NOT LEAVE A MESSAGE. I HAVE GOOGLED THE NUMBER ( XXXX ) AND DISCOVERED OTHER PEOPLE HAVE BEEN BOTHERED AND HARASSED BY CALLERS USING THIS NUMBER. THE CALLER REPRESENTS CONTINENTAL SERVICE GROUP , INC. ( ConServe ), A DEBT COLLECTION AGENCY. 

I HAVE NO DEBT. I SHOULD BE NOTIFIED BY MAIL IF A COMPANY THINKS THAT IT HAS BUSINESS WITH ME. I DEMAND THAT THE COMPANY STOP CALLING ME, OR PROVE THAT THEY HAVE BUSINESS WITH ME. 

I CAN NOT BE THE ONLY PERSON THAT ConServe IS CALLING FOR NO REASON. PLEASE INVESTIGATE THIS COMPANY 'S BUSINESS PRACTICES. AND, PLEASE FIND OUT WHY THEY CALL ME, AND HAVE THE CALLS STOP, PLEASE.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (ND)

XXXX XXXX XXXX  I only owe to two companies for vehicles, and ASG is neither one of them. Here is the voice message they left me : Hi this is XXXX with ASG this is not the first time we tried to call in and out certainly won't be the last until we can get something figured out here I am did want to make you aware that the extra 10 % savings applied to your pay off online is temporary so I urge you to lock in the settlement on your account now even if you don't have the funds to settle it you can set up a partial payment plan or you can schedule your settlement for a later date when you are able to pay it as of now those 1099C tax form has been issued on this account so please take care of it before further action is required we do also report to the credit bureau as an all applicable account so again I urge you to take this seriously and take advantage of this offer our website address is www.asgrecovers.com that is asgrecovers.com I'm legally required to inform you this is in attempt to collect a debt thank you
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NY)

7 fraudulent charges to my U.S. bank XXXX  credit card between XXXX XXXX totaling approximately {$23000.00} ( 2 different stores ). 

When I noticed the fraudulent charges in XX/XX/2022 I immediately contacted the credit card company to report them. 

I then received a letter from the credit card company dated XX/XX/XXXX acknowledging my complaint and giving notice that the company had given provisional credit for the fraudulent charges. 

With my XXXX statement I noticed that all the fraudulent charges had been returned to my statement. 

I immediately called the fraud department customer service to complain. The representative XXXX said she could not handle the problem, but a case processor named XXXX would call me to follow up. I have not received a call from the processor or any other call or written communication about the fraudulent charges that were restored to my card. I have a confirmation number for my contact with XXXX : XXXX.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (AL)

I purchased 4 utility vest from XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. The order arrived in the middle of XX/XX/2020. I called customer service on the date the items were received and reported that it was my first time ordering from them and that every item I received was damaged or used. The customer service told me to return the items and use the return label provided in the packaging. I informed the customer service person that there is a fee for returns and that my order was damaged before I received it and she said that she would credit the full amount of the purchase but I must return all of the items. I returned them on the day I spoke with customer service. XXXX XXXX received the return on XX/XX/2020 and the return was processed on XX/XX/2020. I checked my credit card account and all of the funds were refunded and that resulted in a XXXX balance on my credit card with XXXX XXXX. Shortly after that my account was closed and then I started receiving a bill. I called several phone numbers provided by XXXX XXXX and the credit card stating that my account was closed. I could not log in to check anything because my credit card statement said the account was closed. I have spoken with all of the people necessary to correct this and all they do is send me a bill. Now my credit report states that I owe them and I do not have a single thing from them. I never paid them anything because the products were received damaged or defective. I received a call today/XX/XX/2020 from an unknown number and it was XXXX XXXX Comenity asking for payment. I refused and stated they need to check their records and not contact me again.
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (VA)

This company continues to improperly apply payments made to my account, resulting in the overall balance being higher than it actually is, or the payment due date being incorrect. According to the company 's files, more than 30 payments were improperly reversed and applied, which has caused unacceptable levels of financial harm.
Consumer complaint received 2021-02-22
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: AMERICAN EXPRESS COMPANY (GA)

American Express, XXXX XXXX XXXX, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, AMEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX For the record, many different names were used to created fraudulent accounts.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have sent four disputes to experian, XXXX, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME
Consumer complaint received 2022-05-23
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I paid off my Bank of America credit card in XX/XX/2020 and changed all recurring payments to a new card, or so I thought. Apparently I forgot XXXX auto-charge, for {$42.00}. They explained, when I called them, that this balance carried over for 3 months, until I got a statement in the mail saying they closed my account for non-payment. I did not get any phone calls or notices in the mail saying I had an outstanding balance or notification that my account would be closed. They claimed that I was on e-notices, which I am. I have and would have had no problems paying {$42.00}!!! I had a XXXX balance on this card and charged many transactions and had a long relationship with Bank of America. Probably over 15 years. Anyways, I believe they handled this situation terribly. They could have called me. They could have mailed me, even-though I try to save trees with my regular statements!!! -- -- Secondly, I have over {$200.00} worth of points that they do not want to honor because they said they closed my account for nonpayment. XXXX points to be exact. I could have just used points to pay for that {$42.00}. They won't let me and they will not give me the reward. I have paid the balance + interest, which was {$46.00} that I just paid. I owe them nothing. They owe me my points.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I have already disputed this with XXXX and was sent a certified letter that collection efforts would be ceased on this account. I want collection efforts to cease and this account with Southwest Credit be closed. Per the response from my previous dispute : " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Contrary to Mr. XXXX concerns, we have no record of receiving any request for validation from him. Notwithstanding, we have closed the account with our office in accordance with Mr. XXXX request to cease collections. Furthermore, the Credit Reporting Agencies ( CRAs ) are being instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and we recommend giving them at least thirty ( 30 ) days to update their records. We trust this resolves your concerns. ''
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-08-18
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (NY)

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 590. 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 XXXX days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-18
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)

XXXX, Transunion, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the COUNTY OF XXXX XXXX XXXX XXXX COUNTY OF XXXX XXXX DISTRICT CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA [ XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, LIEN recorded with the CA Secretary of State. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX Dollars ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : XXXX.