davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (OR)

The so called " DYNAMIC RECOVERY SOLUTIONS '' Claims to be a debt collector, and claimed that I owe XXXX XXXX an unpaid amount of {$570.00}. This was a major surprise because I only purchase prepaid services from XXXX. Therefore I called the " Dynamic recovery solution '' and asked them about the statement I got from them. They claimed that the debt was for an unpaid bill dated 2010, and that a XXXX service was connected to an address and the final bill was not paid so the amount accumulated to what it is now. When I asked about the particular address to which XXXX service was connected the response was that they will provide a report in a month time which will show the address. It 's been four months by now and no report have been sent so far. On the phone I explained to them that I did n't have any physical address at all in 2010, and that I only purchase prepaid services from XXXX. After my explanation they asked for police report. But I also took their debt claim to XXXX of the XXXX retailers, and their first response was that that is a hoax. A XXXX representative, XXXX XXXX, found out that the account that the debt collector claimed to be mine did not even exist. Therefore, given the facts about this case and the debt collectors persistence to pursue this debt it should be clear that the debt collector is a scam and no more than that. Please take legal action against them to put them out of business for good because when I XXXX their name there were many other people that identified them with a scam. Thank you for your time.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NV)

As a review of my credit report. I dont recognize the account below Acct name I C Systems Inc Acct. numberXXXX Balance {$430.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Consumer complaint received 2023-05-18
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. (NY)

I've Experienced Identity Theft These inquiries in my credit history are the result of improper usage of my social security number. I am not aware of any of these inquiries, but they are all being investigated by the FTC. I've been attempting to settle this issue for almost 5 months and have been ignored, which is a violation of my knowledge.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER BANK!!!!!
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (FL)

XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My home mortgage loan servicing was changed by lender to LoanCare in XX/XX/XXXX/ XX/XX/2016. I did not received any mail package from LoanCare as the new loan service company providing the information of new account number or address for making monthly payments However the old mortgage company sent me a letter that LoanCare will be the new loan servicing company. on XXXX/XXXX/2016 I sent out first payment using old account information. I hope that I will get monthly statement or other info from LoanCare in mean time. LoanCare will call and leave message, when called back, the system will ask to put in LoanCare home loan number ( That I never received ) or full social security number. To protect my identity, I could not punch in Full social security number. No live person could be reached untill I provide my full social security number. 
On XXXX/XXXX/2016 I received the payment overdue notice from LoanCare that had necessary account information. I sent payment to LoanCare electronically through my bank ( XXXX XXXX ). 
Now I had my account number, I called LoanCare, they admitted their mistake and wave-off the late fee. 
Around XXXX XXXX, 2016 I needed home equity loan, the lender pulled my Credit report, It had late payment record by LoanCare, citing that reason they declined to lend me money. 
LoanCare is wrongfully reporting late payment ( by 30 days ) on my credit report. 
- Payment was late by 12 days because of fault of LoanCare for not sending me mail package for new payment details. Payment was sent on XXXX/XXXX/16 instead of allowed upto XXXX/XXXX/2016. 
- For Mortgage Loans, the payment can not be assumed late for first two months ( 60 days ).
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Acceptance Corp (WA)

I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-20
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. (LA)

Transunion continues to willfully non comply by removing 2 adverse inaccurate Non public personal information. 

US DEPARTMENT OF EDUCATION XXXXXXXX US DEPARTMENT OF EDUCATION XXXX Accounts have been illegally Reaged since first dispute..
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by TransUnion regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, TransUnion is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections XXXX XXXX. XXXX and XXXX mandate that credit reporting agencies, including XXXX, XXXX any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that TransUnion conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CO)

I had an auto loan account in the amount of {$29000.00} from Wells Fargo on a brand new vehicle that was opened XX/XX/XXXX and closed XX/XX/XXXX when another bank bought out the loan from them. In XXXX of XXXX, I noticed that this loan was missing from my credit report and contacted Wells Fargo. They failed to follow up with me until I went into a local branch in XXXX of XXXX, and a banker was able to escalate my case to a higher up in the company. They stated that the loan was unreported because of an issue with my co-signers address, which they never reached out to fix prior to and I was unaware was even an issue. They did initiate reporting the loan, and it did appear on my report by the end of XX/XX/XXXX as a closed auto loan account. Now, several months later as I am rebuilding my credit and reviewing all accounts on my reports, I am realizing that this loan shows absolutely no reported payment historywhich in turn did nothing to help with my credit. There are at least 10-11 on time payments that are missing from the now reported auto loan. There were several recorded calls between myself and the lender during XXXX and an email that I sent to their credit bureau operations on XX/XX/XXXX. I initiated another complaint via phone call and email to them today, XX/XX/XXXX and will be faxing a credit rating request to them, which is what the customer service representative told me to do.
Consumer complaint received 2023-05-17
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. (TX)

This is in reference to complaint XXXX. I asked for you to remove these accounts from my credit report and you instead updated them. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the cfpb complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX ( XXXX XXXX XXXX XXXX ) XXXX. Attached is the letter sent to the company that is dated and time stamped.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (SC)

on XXXX I applied for a title loan with my title and I was denied, then I went into the ttle max and they said I would receive the title loan but I never received the loan, nor would they give me my title back, and title max claim that I received the loan but my bank account does not reflect it even though title max may be the reason for all the fraud on my account this is a serious situation, becasue they are trying to charge me for a loan that i have not received, the still have my title and my account never reflected any amount of money deposited into it, this needs to be corrected and my title needs to be returned to me becasue on the XXXX all i received was a denial pertaining to this issue, Title Max has been unable to provide any Arn numbers or any check info to transactions that were done on my account... ..I did have fraud on my account which Title Max is reason for that and they are trying to retrieve money from me that was never given to me ....
Consumer complaint received 2023-05-18
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. (IL)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE!
Consumer complaint received 2023-05-18
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. (LA)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!