davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (RI)

Hi CAINE & WEINER ; Im confused and stressed and 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 2021-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/21 I sent letters regarding inaccurate information on my credit reports with XXXX, Equifax, and XXXX. Too this day 60+ days later I have not heard a response back regarding this matter. I understand my rights and in section 611 of the FCRA it states that a failure to investigate these accounts within 30 days the items must be removed. I demand these accounts be removed and that I be issued a written statement from the aforementioned Credit Bureaus disclosing as to way they have not responded to my written request. My credit file was compromised during the Equifax Data Breach and I am constantly fighting fraudulent activity because of that breach.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting my mortgage as missing 2 payments from XX/XX/XXXX and XX/XX/XXXX when my mortgage was in an active forbareance and protected as part of the CARES act that provided relief during the COVID-19 pandemic. At the same time I was also in a repayment trial with my mortgage lender in which my first payment was made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When disputing the issue, Transunion failed to verify the correct information from my mortgage lender. On my other credit reports with XXXX, it is reported correctly. My mortgage company is XXXX XXXX.
Consumer complaint received 2023-11-09
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-11
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: AMERICAN EXPRESS COMPANY (MA)

I applied for and got approved for an American Express card in XXXX. I was living in XXXX at the time and the card was supposed to arrive at my apartment by XX/XX/XXXX. The card never arrived. I moved to XXXX  a few days later and checked with the friend who lives in my XXXX apartment to confirm that the card never arrived. I called Amex and asked for a replacement to be sent to my new address in XXXX. They sent it and said it would arrive by XX/XX/XXXX. It did not arrive. I called Amex again on XX/XX/XXXX and asked if there was a tracking number or some other identification to track down the card. They said there was not and they could not expediate it. They said they would send another card that would arrive by XX/XX/XXXX. At this point, I mentioned that they haven't sent the card twice to two addresses. And asked them to send the card with a tracking number so I can confirm that there isn't any issue. They refused. 

It's very concerning to me because every credit card application impacts my credit report. And despite approving the card, the company has failed to send it multiple times and refuses to give me any way to track that the card has been properly mailed.
Consumer complaint received 2021-07-11
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. (MA)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : XXXX XXXX It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (DE)

There is a {$34.00} charge on my XXXX account that I never charged. 

The charge was for a XXXX parcel pickup that I never requested. When I asked where the alleged parcel was going, XXXX was not able to provide information. Just stating that it was for a parcel pickup. 

I made multiple attempts from XXXX of XXXX  to XXXX of XXXX  to resolve this. I have spent at least XXXX hours trying to resolve a {$34.00} unknown charge from XXXX. 

Now it is sent by Synter Resource Group , LLC . With the file number XXXX.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc. (CA)

I have attempted for 6 months for the company to issue me a refund of my overpaid interest after paying off the loan in full. They indicate that they sent it to my bank account but no such funds have ever been received. I have called numerous times asking for the money to be sent to me via a check and no one has been successful in completing this simple task. I have filed a complaint before as they did not post my payoff timely as I was given a bad address to send in the money. I just need the refunds due to me processed and someone to take ownership of this problem.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had a credit account with Lane Bryant/Comenity Capital Bank which I closed back in XXXX of XXXX They confirm that the account is closed. Every month since that time I have received a bill for the account assure and they charge me minimum interest. I have paid it each month. I then call customer service to talk them about why I keep getting charged and they tell me that once I pay the bill in full that I won't get charged again. Which then I get another bill. This has been happening for 7 months. I can't see how it's legal for them to keep charging interest on XXXX balance/closed account for 7 months and then reporting a late payment when I missed paying them for interest that they said I wouldn't be charged, I am so angry that I keep having to deal with this and wasting time/money paying them and calling them to get it stopped.
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: United Credit and Collections Inc. (MO)

Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with United Credit Collections and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call United Credit & Collections and I have not received a response back.
Consumer complaint received 2021-12-15
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. (CA)

Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.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.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.
Consumer complaint received 2021-07-12
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: Mountain Run Solutions, LLC (NY)

I disputed a collections account that was flagged to my account through XXXX. XXXX claims it has confirmed that the account belongs to me but thats not accurate. XXXX and XXXXXXXX XXXX  has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with XXXX but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.
Consumer complaint received 2021-07-12
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. (AL)

I contacted Equifax a few weeks ago letting them know that I had been a victim of identity theft and they refused to remove these inquires. I am contacting them again with the information they requested to have the remaining things deleted.
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (NE)

On XX/XX/2021 I sent ASSET MGMT/NATIONWIDE REC a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ASSET MGMT/NATIONWIDE REC as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and XXXX to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at Transunion and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by Transunion they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Equifax is not reporting my credit score. I contacted them via phone and they told me they were unable to give me my score as a result of the contents in my file as of XX/XX/2021. I have received my credit score from other credit bureaus. I have received a credit report from Equifax, but not what my score is. They show me that my credit cards are in good standings but are denying me my credit score.
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I XXXX XXXX XXXX made a final payment for the amount of {$16000.00} to Wells Fargo Auto for account ending in XXXX. Account XXXX is for a XXXX XXXX XXXX which to my knowledge has been paid in full based on the terms of the Loan Agreement. I have proof of the final payment and even the title of the vehicle which does not show any liens. I recently received a letter from Wells Fargo Auto indicating that the auto loan is past due and that they have the right to reposes the vehicle if I don't make a payment to bring my account up to date. Wells Fargo is also stating that they will report my account as delinquent to the appropriate credit bureaus. I am done dealing with an incompetent bank such as Wells Fargo and seek support from the CFPB for this matter. Please contact me with any questions you might have regarding this complaint, my cell phone number is XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mid-Atlantic Finance Co., Inc. (KY)

I bought a car from a buy here pay here place in XXXX Ky. The dealership sold the loan to Mid Atlantic Finance in XXXX Florida. I was contacted and told the agent at the time, that the payment is due on the XXXX of each month, but not past due until the XXXX. I told them not to contact me unless the payment is past due and they agreed. 

They contacted me as a " Courtesy Call, '' on the XXXX to let me know the bill was going to be due on the XXXX. I told them not to do that again. 

They contacted me the next time on the XXXX, and told me the bill was late, and if I didn't pay I would be charged extra fees and my credit would be affected. I bought the vehicle at a buy-here because I am going through bankruptcy at the moment and needed a vehicle to replace one I lost from voluntary repossession. I again told them to not contact me at all. 

So the next month, they called my WIFE and demanded that she tell me to make my payment, on the XXXX. Then they contacted her on the XXXX. Again, I called and told them to no longer call me, at all, period. I followed this with an email. 

They just contacted me again, on the due date, not the late date, to demand I pay. Against my wishes. 

Since I have had this nightmare of a company, they have harassed me, and my family, each month with no cause, no reason, and in direct violation of my wishes.
Consumer complaint received 2021-07-11
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. (NJ)

I have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate