davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-12-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (WI)

Throughout the last two months, I have been trying to tell this debt collection company that I dont owe the amount of money. XXXX is saying that I owe and XXXX was supposed to send me a bill detail of what I owe because they told me a different amount on the phone which was {$210.00} and I paid XXXX of that so I should only owe them {$110.00} which I was waiting on the bill because this new debt collector Sent me an email theyve never called me but they sent me an email saying that I owe XXXX and something dollars I dont owe XXXX and something dollars, which is why I was requesting the bill and I still have not received a bill from XXXX or a copy of the bill from the debt collector XXXX tried sending it to another debt collection agency before this one I was able to approve that they never sent me a bill detailing or showing how they got this amount that theyre saying that I owe them and so that XXXX collector kicked it back to them because I disputed it . I tried disputing it with this debt collector, and they never replied to my dispute at all they put it on my credit report the reason we got rid of XXXX was because there was no service XXXX. My son kept getting errors. No one was able to contact him. He wasnt able to dial out most of the time because the service was always down and people could not call in you would just get a voicemail. I talked to XXXX about this multiple times. They did not fix the issue. Thats why we poured it over to XXXX XXXX XXXX where he would get better service. My son works from his phone doing landscaping so he hast to have access to a phone that works after dealing with this for two years, I told XXXX multiple times they never fixed it just like they didnt fix my other lines and so we had to just be done and then leave XXXX alone and because of that now theyre trying to falsify how much was owed on this account we went from paying XXXX and some dollars to pay almost {$200.00} a month and they couldnt tell me why we had no changes added to the bill or anything no upgrades on phones or nothing. It was one phone.
Consumer complaint received 2021-03-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NE)

My loan originated in XXXX as means to pay for my daughter 's college education. I've struggled for the last 15 years in making any kind of repayment, but have tried to work with Nelnet with deferred payments and forebearances. Several times over the last few years I was instructed by Nelnet over the phone ( never in writing ) to use the FSA portal to apply for Income Based Repayment Plans. Each time, I get a " verbal '' denial, but NOTHING appears in the official Nelnet.com website. My last attempt was due to the pandemic, I was forced out of work since XX/XX/XXXX and was instructed to use the FSA portal again, completed all the paperwork, then called Nelnet to check on the status. Even though NELNET reps instructed me to use this process, I was verbally told that my loans didn't qualify for income driven repayment. YET, there is literally NO PAPER TRAIL from Nelnet acknowledging that they ever considered any of my applications, no formal denial, NOTHING for me to understand how on one hand Nelnet is a listed provider that should consider the repayment plans sent to them, but on the other hand - Nelnet representatives verbally state I do not qualify? Additionally, if they aren't subject to the federal rules, then the NELNET loans should have been terminated with my XXXX bankruptcy. I am frustrated and feel they are using tricky methods to try and force a restart of the loan obligation with a " consolidation '', which I have no interest in doing. Either they are or they are not part of the federal regulations for student loans and either way, NELNET is not presenting valid repayment options in full disclosures for borrowers. A perusal of my account there also shows how they have added over {$20000.00} to the " principal '' that started at about $ XXXX, to demand an over {$35000.00} balance with a projected repayment of over {$75000.00}!? The accounting and accountability are in question here.
Consumer complaint received 2024-10-14
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. (IL)

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my XXXX XXXX and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

Unlawfully reporting accounts in question : XXXX XXXX XXXX : XXXX : {$610.00} XXXX & XXXX XXXX XXXX : {$360.00}
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NH)

In XXXX of XXXX I started at new company ( XXXX XXXX XXXX ) - In approx XXXX  of XXXX initiated a XXXX rollover of my existing XXXX from XXXX XXXX which XXXX to over $ XXXX - I requested to have a little more than half of my existing XXXX  paid out to me directly ( which went fine ) and the remaining {$50000.00} to be be rolled over into the XXXX  XXXX plan. 

*Sometime around this time, Wells Fargo apparently stopped managing XXXX & the companys affected switched to XXXX  XXXX. The XXXX rollover check that I received to mail was never applied to my still existing XXXX, supposedly never received. They referred me to the sender Wells Fargo and Wells Fargo has since shut down XXXX operations and just kept referring me back to XXXX XXXX  that took over all their XXXX acct *I fortunately took a pic of the check that was never deposited, cashed or processed but to my surprise NO ONE From either bank has been able to provide me with its status, where the money went what steps to take next. Both phone numbers under the title of the issuing bank are no longer in service and I no longer know what Im supposed to do. Im not wealthy, Ive have XXXX kids, Ive worked very hard my whole life for tgat money, I have no idea how much Ive even lost from XXXX - today and Ive I HOURS UPON HOURS on the phone, emailing on hold, creating so called tickets for OVER 3 years. I NEED HELP - Even just a fire to be lit under someone because Im obviously not getting anywhere.
Consumer complaint received 2021-11-04
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. (CA)

I first submitted a dispute to Equifax, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

Equifax despite 2 requests NEVER REPLIED ONCE!
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (GA)

File number : XXXX I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report immediately. Reporting information that you know to be inaccurate, or failing to report information correctly, violates The Fair Debt Collection Act. 

* The original creditor 's name and contact information * A detailed breakdown of the debt amount, including principal, interest, and fees. 
* Documentation supporting the validity of the debt, such as a copy of the original contract signed. 

Also be advised that I am keeping accurate records of all correspondence from you and your company in false representation, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt I do not owe to your client. The Fair Debt Collection practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ) and 15 U.S. Code 1692 ( e ) - False or misleading representations debt collecting practices
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WV)

I looked at the closing disclosure and again I was told that the closing cost cash to close XXXX different than what I was told yesterday XXXX. The cash to close is well above what I can afford right now. I must admit that I am experiencing stressful situations with a simple loan that increase from small amounts to close to a amount that empty my bank account. Loan was originally estimated XXXX now XXXX. 

Closing should not very by several thousands dollars. I feel that the financial burden that is now being asked is well beyond my budget. 

Please advise on the next steps.
Consumer complaint received 2024-10-22
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. (TX)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2020-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (MA)

DEAR GM FINANCIAL SERVICES ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-24
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: Credit Bureau Financial Services, Inc. (TX)

Hi, my name is XXXX XXXX. I am writing you guys because I seen some information of my credit report that is inaccurate, which is affecting my credit score. I sent in dispute letters to XXXX, XXXX & XXXX  about multipe inquiries that I have found on my credit report that I never authorized, which I believe was identity fraud & I have asked that if they are not able to verify and show proof that they must delete these items off my record as it affects my credit history. I have sent my letters Certified Mailed with USPS since XXXX XXXXst, 2021 to insure that I am able to track them and insure that the credit bureaus received them ( which they did ) & I will be providing proof of receipt with photo uploads. I would really appreciate it if you guys can reach out to them because I still have not seen any results as it has been more than 45 days. 

Best, XXXX XXXX XXXX XXXX XXXX , XXXX Tx XXXX
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP (CA)

This complaint regards a BOK Financial checking account, which I opened in mid-XXXX at a XXXX branch of what was then Bank of Arizona. Since then, I have made frequent use of the account for debit-card transactions, ATM withdrawals and international wires. 

On XX/XX/2020, an attempt to pay a medical bill using my debit card failed, and I noticed subsequently that I was unable to log into my online banking or withdraw funds using an ATM. When I called XXXX XXXX, I was told my account had been " terminated. '' I had not - and, to this day, have not - received any kind of written notice to that effect. 

When I asked for an explanation, I was told that only the bank 's fraud department would be able to provide details, and that said department was closed. Ultimately, a supervisor told me that I had been labeled a " potential mule '' in internal notes. The supervisor said she did not know on what basis the fraud department was making that accusation. 

I noted that, particularly in the midst of the current pandemic, there was an urgent need for me to retrieve the {$1300.00} deposited in the account. I was nonchalantly told that I no longer had an account with BOK Financial and that my funds would be returned in the form of a check to my address or file in a time frame that could exceed 10 business days.

I asked to be connected to the fraud department and left a detailed voice mail about the aforementioned events, expressing my outrage and having been labeled a " mule '' and asking for an explanation and assistance. My call was never returned, and BOK Financial has not reached out to me in any way.
Consumer complaint received 2021-11-04
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. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I mailed a requesting to know the source of bankruptcy for my Transunion credit report on XX/XX/2022. Per the tracking # XXXX it was delivered on XX/XX/2022. I have received no response and today date is XX/XX/2022. I have mailed a second response on XX/XX/2022 with tracking # XXXX that was delivered on XX/XX/2022. Im opening this compliant to elicit a response. Both were mailed to, per your website : XXXX XXXX XXXX/transunionconsumers/ LCI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please respond
Consumer complaint received 2020-07-10
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: DISCOVER BANK (SC)

I purchased a inground pool kit for {$4300.00} from under the sun when it got delivered a panel was damage took all necessary steps with pool company they refuse to file a claim the pool company with freight company I can't because I I didn't pay for freight I did but pool company paid fees so I took the 12 panels and divided by total amount of cost for panels and disputed it with discover card since the dispute I was still trying to get panel replaced by pool company and frieght company and pool company refuse to file a claim trying stick me with a pool that can't be built because broken panel and I yet to recieve my liner for the pool so I called discover back tell them that I can't use a broke pool nor can't use without a liner I never got that I wanted to dispute the entire amount and pool company can pick there stuff up no liner broken panel well discover card told me I can't disputed with the dispute open I said ok close it open a new 1 for  the entire amount pool company refusing to file a claim with freight company and I still haven't gotten my liner said they can't not aloud to do it. I ask them is that a government law they wouldn't answer me. I gave pool company the benefit doubt of trying to fix it and there being ignorant threatening and plus never got my liner so I called discovery back to dispute entire amount and told me I'm not around to dispute it again and I'm stuck paying for a pool that arrived damage and can't use