davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Harris & Harris, Ltd. (CA)

On XX/XX/XXXX, I received a credit report alert for the first time through XXXX notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named Harris & Harris. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted Harris & Harris to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number.  Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
Consumer complaint received 2017-10-04
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. (CT)

I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.
Consumer complaint received 2017-06-16
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: Credence Resource Management, LLC (FL)

While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened  XX/XX/XXXX . I discovered it by signing up with  XXXX   XXXX .  XXXX  is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he  repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for  XXXX  in  XX/XX/XXXX  and the account closed about 1 year later. I have never applied for anything with  XXXX  or  XXXX   XXXX   XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from  XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in  XXXX , GA. I have not and do not live in  XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. Thank you.
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Oklahoma Student Loan Authority (OR)

I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On Sunday, XXXX XXXX, XXXX, I tried to electronically freeze my credit file with Transunion. At the end of the process, I received an error message with a number to call to freeze it over the phone. Today, XXXX XXXX, I called and after 30 minutes of questions, I was told that the if I froze my credit account that I would have to send them social security verification in order to lift it. They told me someone had filed credit information showing " XXXX '' as a suffix and that was causing them a problem. I 've been living at the same address since XXXX and have always used " XXXX '' as a suffix although on some credit cards do not use the suffix. 
Surprising, I had no problem implementing a credit freeze with XXXX, XXXX and XXXX. The persons I spoke with then gave me a telephone number to answer questions about a security freeze. I dialed it and viola, it is their number to call in order to sign up for their identity monitoring programs. I 'm totally sick of companies like Transunion trying to make a buck on the misfortunes of XXXX XXXX XXXX citizens and, as much as I hate to advocate it, it is time for the US Government to get involved.
Consumer complaint received 2017-06-16
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1.XXXX XXXX XXXX # XXXX 2.XXXX # XXXX 3.XXXX XXXX XXXX # XXXX, # XXXX, # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete  account error. 4.XXXX XXXX XXXX # XXXXThese account are a violation of HIPPA Act. Never done business with XXXX XXXX. please produce a copy of my signature or contract or delete account error. 5.XXXX XXXX # XXXXthis account has no contract error please delete never done business with this company.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

To my surprise, After reviewing my credit report through XXXX XXXX, I discovered that DIVERSIFIED CONSULTANTS had added Derogatory marks onto my XXXX XXXX credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
Consumer complaint received 2017-10-03
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. (NC)

Company Name : XXXX XXXX XXXX XXXX XXXX falsely claims is owed {$9900.00} Account opened XXXX, XXXX I was made aware of this bogus account earlier this year when I tried to purchase a new vehicle. I have never received collection calls, mail or any communication from this company or the " original creditor '' concerning the collection of this bogus account. I immediately obtained help from a credit XXXX in an attempt to correct this and other errors I discovered on all XXXX of my bureaus. This particular account was disputed with all XXXX Bureaus and was immediately deleted from XXXX and XXXX. Equifax however has failed to delete this bogus account off of my report. There have been XXXX disputes initiated for this account with Equifax and they are still reporting it as verified. This however can not be true as it is NOT my account. They have also recieved proof of deletion from XXXX and XXXX. When I contacted Equifax about this, they stated that only the balance was disputed and not the account. However, the entire account was disputed. I have initiated a re-investigation, but at this point I have NO confidence that Equifax will remove this bogus account from my credit report. This is why I have chosen to get the CFPB involved. I will pursue this legally if needed as I have supporting documentation from both Transunion and XXXX stating that the account could not be verified as belonging to me and therefore was deleted off of both records.
Consumer complaint received 2017-10-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Greyhound Capital Group LLC (MD)

The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.
Consumer complaint received 2017-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items are as follows : ACCOUNTS XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX  #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (RI)

I notic

ed a year of so 2 derogatory marks open on my credit report. When I looked into it. I realized these were not my bills, but my daughters, and her ex ' who has custody of children. I took them to some appointments if parents were uncapable to that day, But was never, ever financially responsible for their medical payments?.

1-Once mistakes noticed I called dr 's office to correct mistake first..'unfortunately they said they had no info because folder went to lawyer 's office to collection '. I have called Lawyer listed on credit report numerous times, and even emailed him. Explaining situation and also giving him my daughter 's name and address, I also gave information pertaining to children 's father '' such as full name, and address ... informing him again, and explaining the mistake in detail. Requesting him to please correct it..Instead he just changed/updated date on report. orignal debt from XX/XX/XXXX..now is XX/XX/XXXX giving him 7 more years to collect and stop it from falling off my file on credit report. I have disputed it with credit reports, tried to work it out with lawyer, but its still on them. I 've supplied childs parents billing information.these 2 derogatory marks look really bad on my credit report and I think its a shame that I was unable to reasonably have them removed..when I even tried to help XXXX XXXX collect debt by supplying him with correct debt owners name, Addresses..he has not responded from my emails or voice messages?