davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Buffaloe & Associates, PLC (TN)

My personal information/identity got stolen on XXXX & was sold on the black market. I have received numerous calls throughout the years from fraudsters claiming that I owe money, that legal action will be taken, and even threatened. I have contacted the Federal Trade Commission, the XXXX XXXX XXXX, & have also worked with the NY Atty General 's office in the past regarding various scams. Recently, I received a letter, which I'm uploading with this complaint, from a so called atty 's office stating that I owe a debt in the amt of {$1500.00}. No proof or documentation was included with the letter nor do I recognize the supposed name of the Creditor. It states in the letter that the Atty 's haven't personally reviewed the circumstances of my acct. I've tried contacting the law firm numerous times & the phone just rings. I researched the firm online & there have been several derogatory complaints such as what I have mentioned above including not being able to communicate with this law firm.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is reporting a delinquent credit card to my credit but can not provide any validation of debt. I was referred to another company, XXXX XXXX, and they have no record of the account at all. BoA will not provide an address for a letter of dispute. They can not tell me how the account was opened, receipts with signatures, or who made any payments. I am not familiar with this account but they will not remove from my credit after multiple disputes, nor will they provide proof it is mine.
Consumer complaint received 2021-06-04
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. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$190.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$820.00} XXXX XXXX Reported : XXXX. XXXX, 2021 {$900.00} XXXX XXXX A Reported : XXXX XXXX, 2021 {$450.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-09-08
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. (MS)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Consumer complaint received 2020-10-15
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. (CA)

This is my SECOND complaint against Experian. The one the stated that it wasnt me filing it, it clearly was. I believe this is a stall tactic so they dont have to do their work. I will attached my first disputes and a letter of deletion from a collector. If this is not taking care of soon I will SUE!!!!!!
Consumer complaint received 2020-10-15
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. (FL)

AFT

ER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE WITHOUT BEING AUTHORIZED BY ME. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. I AM ASKING THAT YOU PLEASE REMOVE AND DELETE THE ACCOUNTS AND INQUIRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-25
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. (NY)

Transunion fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called transunion and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : transunion keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with XXXX  And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

My mortgage company SLS ( Specialized Loan Services ) keeps reporting my payments as late and even has put on my account serious delinquencies even though we have always paid on time.

This has caused our credit score to drop and other companies to deny us loans or credit card.

This began at the beginning of this year. On XXXX we made a payment over the phone. A month later we got a notice on our credit reporting agencies saying that our mortgage was over 30 days late. 

In XXXX SLS offered us a chance, because of Covid, to skip a payment. We applied for this and got it approved. We have documentation of that.

The next month we paid on time and SLS was fine with that and did not report it late.

We contacted SLS on XXXX and told them this and they said it was because my payment on XXXX was for XXXX and I was month behind. When I sent them my bill payment that I made in XXXX they for some reason had taken my payment but never accredited it to my mortgage. Then they demanded that we pay two mortgage payments to get back in current status.

When I showed them the letter stating that they had approved of us skipping a payment they then corrected our account and placed it as current.

The problem was the delinquency was still showing on our credit. This has stopped us
from getting any further credit like car loans and could even affect us getting a job.

I have attached as proof the delinquencies that have shown up on credit even though we have always paid on time every month.
Consumer complaint received 2022-12-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (CA)

I got a call and they said in XXXX I took out a {$650.00} loan, with " Easy Money '' a payday lender and when they went to collect for it my bank denied the payment. I requested more information, like the date the loan was taken out, and when the payment was denied. I asked for their address they refused. I also asked to get a copy the contract and disclosures they refused. It was a check apparently they blindly sent in the mail, I assume. I always tear up those come-ons. Then said they were trying settle the debt but now is {$900.00} and if they take me small claims court it will grow to {$1500.00}. I again asked for proof that I actually owed money, because I have NO knowledge of taking out the loan they described. If I had I would have paid it back. I also have check guarantee, so I would have thought if they had actually tried to collect it would have honored. Also, it is strange that they would not know that in XXXX there is a time limitation on collecting a debt of XXXX years and they said the loan and failure to pay was in XXXX, XXXX plus years past the date to collect a bad debt ( except for a couple of exceptions ). I contacted the XXXX Police after the call and they said sounded like a scam, but they could not do anything. I then called my bank to get a list of any {$650.00} deposits and/or returned unpaid payments from checking account but they could only go back to XX/XX/2015, XXXX years. They found nothing. The customer service person at my bank also thought it sound like a scam. 

1. I am XXXX years, old but have all my wits about. If would have paid a debt if I owed it, but I don't believe I do. 
2. I then pulled my credit report all three bureaus and found no such account. I have XXXX FICO on all three reporting agencies. 
3. I firmly believe this is fraudulent request for money. About XXXX years ago, I got a call from XXXX Bank, which I had a card at that time, They asked if I was applying for another credit card and I said no. They told me someone was trying to get a credit card with them under my name but with a different address than mine. So, I am wary identity theft. In that case I reported it to XXXX XXXX Police report and they took my statement. Obviously, my SSN number is out there and other information is pretty easy to get on the internet. 

When they call a XXXX XXXX, left a message, and they gave to XXXX XXXX, who turn out to be the original person I spoke originally a XXXX XXXX XXXX. Apparently their was not XXXX XXXX. Who again refused to provide any proof of the debt. He said they sent out statements numerous time, which I never got. They used several different phone numbers.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AL)

Credit card company is committing fraud. I paid off this account and closed it months ago. The bank is rude and refuses to go back and listen to recording when account was closed. The bank is charging me late fees and turning it into credit bureau. I owe nothing to this bank that is committing fraud against me
Consumer complaint received 2023-03-10
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. (FL)

Fraud has been committed on my consumer report ( from XXXXXXXX XXXX  ), which violates the FCRA and FDCPA. 
You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. $ XXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2022-07-25
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: FIRST PORTFOLIO SERVICING INC (TX)

On XX/XX/XXXX, I logged in to review and pay my bill and noticed that I had several charges ( unauthorized ) that I had not made ( see below ) : Date Reference Number Purchase Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew the charges were not mine because I was XXXX XXXX XXXX XXXX  XXXX  ) and had not left my house since XX/XX/XXXX. The charges were made XX/XX/XXXX and XXXX. I immediately contacted the XXXX number on the website for assistance and was told to download the fraud affidavit from the website, which I completed and returned for ALL the charges. I have never had excessive charges such as these in any time frame, let alone in 48 hours, especially considering the card limit is {$300.00}. Over {$350.00} of charges were made in 2 days. I have had this card since XXXX and not once has my balance EVER exceeded my limit of {$300.00}. In fact, I regularly pay off my account. 

On XX/XX/XXXX, I received a letter stating that the results of the investigation concluded that since I was in possession of the card at the time of the " alleged fraud '', the charges were deemed to be mine. Really??? I've been a victim to credit/bank  fraud before and never have I been told that because I had the card in my possession, I made the charges. 
I know for a fact that your credit card number can be obtained many ways while you have the card. In fact, I was told by a fraud investigator at XXXX, when I had fraud on my XXXX XXXX, this happens, a lot! 

I am preparing to file a police report with the local police. Additonally, I will be sending letters to XXXX XXXX XXXX ( who owns XXXX XXXX XXXX XXXX I have already sent a letter to XXXX XXXX XXXX ( issuer of the card ) I absolutely REJECT the findings of the fraud investigation that I am liable for the fraudulent charges made XX/XX/XXXX and XXXX, totaling {$350.00}. Additionally, I wish to have all late fees, over limit fees, and any other nonstandard monthly or yearly fees removed from this account and that my account balance be restored back to balance ( less any payments I have made ) it was prior to these fraudulent charges.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had three credit cards with Bank of America, 2 for over 20 years and 1 for 8 years. I didn't have a balance due on any of them. Then in XXXX XXXX XXXX XXXX charged one of the cards {$120.00}. I didn't know about the charge and I missed the email from Bank of America about a payment due on XX/XX/XXXX. Bank of America does not send paper statements or bills to me, I asked them before to resume paper statements. I saw an email on or about XX/XX/XXXX saying that a payment was due on XX/XX/XXXX. I immediately called Bank of America and explained what happened, I then paid the bill in full, {$140.00}, the XXXX fee plus a {$25.00} late fee. The next day I got an email from XXXX XXXX saying that one of my bank accounts was closed. I got three letters, dated XX/XX/XXXX, that day from Bank of America saying that they closed two of my accounts and the one with the charge had the credit limit reduced to {$500.00}. I called Bank of America and tried to explain things to them, that I didn't know that XXXX had charged my account and that I paid off the balance in full when I learned about the charge. The woman said there was nothing that she could do about the closed accounts. Perhaps I could get the credit line increased on the open account. I was so disgusted with B/A that I told her to close that account. I had two of these accounts for over 20 years and the other one for 8 years. I didn't know about the charge and it was less than 30 days late, when I paid it in full. What is most absurd is that on the three letters that I received, it was stated that XXXX accounts were being acted upon because they checked my FICO score and it was an XXXX. I believe this is an unfair trade practice, at the very least it is just not good business.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (NC)

There is an amount of {$2700.00} being reported on my account from ACIMA CREDIT XXXX XXXX from XX/XX/2019. I have no knowledge of this being mine nor had knowledge it was being reported on my credit report negatively. I have not gotten enough permissible data from the company of my written agreement or consent that I initiated this debt. And this violates my right with the Fair Credit Reporting Act.
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (FL)

I had a car loan with ally bank ( XXXX XXXX XXXX ) then traded for a new car ( XXXX XXXX XXXX ) new loan was again through ally but in the process the dealer was late with the paperwork and ally put a late payment on my credit report and now refuses to remove. All while Ive been with them for years and never missed one payment. And to make matters worse they have a recording of one of their employees telling me over the phone that its going to be removed but even that means nothing to them!
Consumer complaint received 2022-12-13
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. (CA)

XXXX Report # XXXX ID # XXXX please see attached and publish this XXXX once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Consumer complaint received 2022-10-25
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. (GA)

I paid off my truck loan with XXXX XXXX ( XXXX ) at the time in the amount of {$17000.00} based on a payoff quote issued by them. 

I received my paid in full letter along with the title for my vehicle after doing this as I should. 

The loan company issued a refund check on XX/XX/XXXX in the amount of {$570.00} after the account was settled in full. XXXX then closed my account but reopened it later this year in XXXX of XXXX and reported a delinquent amount in XX/XX/XXXX in the amount of {$600.00} due to a processing error their accounting dept. made and supposedly sent the refund check out in error way back in XXXX. 

The company has now reported this balance to collections and is harming my credit score as a result. I have tried to work with the company directly to clear the balance owed since this was an error on their end and they cant provide a good answer as to why the error was made.
Consumer complaint received 2021-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

This complaint is about FedLoan Servicing. I am a loan borrower who has been paying on my loans since XX/XX/XXXX. I switched to FedLoan in XX/XX/XXXX from a different servicer due to enrolling in the Public Service Loan Forgiveness Program. Since that time, I have diligently filled out employment certifications and have had all my paperwork up to date. Despite this, my payment counts for the payments made under the previous servicer ( XXXX ) have not been corrected in the FedLoan system for the last 3 years. I have called FedLoan with this issue numerous times and each time have been told " those payments just haven't transferred/been processed yet, '' however they are still wildly incorrect now despite more than 3 years passing since switching to FedLoan. To give an example, my most recently disbursed loan from XXXX has a payment count of 68 qualifying payments, while the oldest loan from XXXX has a payment count of only 50 payments. This is not correct, as each payment I have made since XX/XX/XXXX has been made on all of my disbursed loans together, and the loans were never split up as far as order of payment.