davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (MD)

I've tried several times with Equifax and provided detailed information but Equifax continues to report XXXX XXXX XXXX accounts on my credit report as well as XXXX XXXX XXXX. Also its noted on file with CFPB that XXXX XXXX XXXX never submitted any contract that I had with the company and they would note a cease and desist. Also on file XXXX XXXX XXXX has yet to provide anything pertaining to me or the name that this company is using.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Vermont Student Assistance Corporation (FL)

I got my loans from an institution called the Vermont  Student  Assistance Coorporation. First of all, they never specified to me before my freshman year of college which of their loans was private and which one was federally funded, as they offer both -- I applied for the private loans without even knowing that it was. I also believed -- because one of their loan officers told me -- that I would n't have to start paying my loans until 6 months after I graduated. I graduated 1 year ago, and I received my first bill before I even graduated. They had stacked all my payments so that my monthly bill was almost {$2000.00}, and they wanted the first payment the day of my graduation. Now, 1 year later, I 've been trying to get VSAC to lower my payments or separate them back into individual loans to pay them in a way that is more practical for me. I 've had to defer these loans almost every month of this last year. I have been told my multiple loan officers at VSAC that my stacked loans can not be separated, and I have no other option then to make the full payment every month -- they tell me that is the only thing I can do. Having only gotten a full time job for the first time after graduating 1 month ago, there is no way I can pay close to {$2000.00} a month -- I do n't know how they can expect anyone to make a payment like that. I am reporting this not only because it is making my life very difficult, but I ca n't be the only person who has their student loans through VSAC who is going through this. I would like this investigated, not only for myself, but also for others who  may  be going through the same thing.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (MD)

After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are  XXXX   XXXX   XXXX   Inquires  for 3 days in a row that I did not authorize. The  XXXX  I am disputing is   XX/XX/XXXX     and  XX/XX/XXXX   . I 'm not sure why this creditor ran my credit multiple times. The next is  XXXX  inquiries for  XXXX   XXXX . The other  XXXX  is for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there are  XXXX  inquiries per creditor. I did not authorize  XXXX   XXXX  to run my credit on   XX/XX/XXXX     or  XXXX  on   XXXX   XXXX   I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not one of them has responded but  XXXX   XXXX  for the  XXXX  inquiry  XX/XX/XXXX   .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AK)

Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (OH)

I reviewed my credit report on XXXX at XXXX and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX nineteen  days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (LA)

LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.
Consumer complaint received 2023-02-25
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. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2017-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (OR)

On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}. 

After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}. 

My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}. 

I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KS)

Debt is being charged without me being aware of any of this, incorrect amount and also sold to a third party. I did consent my information to be sold. Debt is abusive, according to 15 USC 1692, the Fair Debt Collection Practices Act this should be put to an stop, which should be removed from my credit report immediately!
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I Pulled my credit reports from all XXXX major agencies back in XX/XX/2016 from XXXX, XXXX XXXX, and Experian. After reviewing all my credit reports I noticed that there was some errors and things that were on them that I had no clue where they came from or how they got onto my reports. Once I found all the issues I called all reporting agencies and obtaining there process for disputes. After following these processes XXXX and XXXX found that they were errors and mistakes and deleted those items, But Experian did not! I have sent numerous certified letters to this company over the past six months to have the items removed and even sent copies of what the creditors stated to me in writing. After calling and pleading with them about these items I placed a fraud alert on my file and asked Experian to investigate the Bankruptcies, and Inquiries several times only to be told that they were verified, and they would not keep verifying that information. I told them that they were breaking the law per the FCRA they were obligated to verify the information with the creditors and the Bankruptcy courts. I waited 90 days only to be told that they would not verify and did not. As a consumer per FCRA Section 623 ( a ) ( 3 ) they are to varify the information completely and state how it was done. They never done this at all so I sent a letter to the Bankruptcy courts and the Clerk of courts stated that they do not give information to Credit reporting agencies. So once again Experian lied to me as a consumer and I have all documentation I spoke to ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and several other agents for experian. ) Some of the letters they refused to reply asking for additional proof after I mailed them XXXX plus pages along with my identification. 

I would like for these items to be corrected and deleted from my credit file as they were on my XXXX, And XXXX Reports. The accounts are listed below : 1. US BANKRUPTCY COURT GA XXXX # 'S XXXX # 'S XXXX # 'S XXXX # 'S XXXX INQUIRIES FRAUDULENT NOT MINE ; - XXXX XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX MULTIPLE I have contacted this company several times only to be told they can not re-investigate, which is against the law.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, XXXX
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MO)

Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX Bank of America Visa reissued my card because of localized fraud problem not involving my card. They sent me a notice and then a new card. The old card was good until XX/XX/XXXX. On XX/XX/XXXX we made a payment of {$4000.00} on our balance as we do each month - the minimum payment would have been {$87.00}. That payment was never credited to our account. On XX/XX/XXXX I attempted to use the card and it was rejected. I called them and they said I had made no payment in XX/XX/XXXX. Then next day I checked the transaction we used to make that payment through XXXX Bill Pay. XXXX recorded that they received our request to make the payment on XX/XX/XXXX and recorded a trace number from BofA indicating receipt of the {$4000.00} on the prior Card number. I gave this information to BofA, they said that it would take 10 days to verify but to activate my I could pay them another {$87.00} to activate my card in 24 hours otherwise I needed to wait 10 days to use my card. This is extortion and very bad customer service. I activated my new card on XX/XX/XXXX as best I can remember. I lost the ability to access money and was embarrassed because my card was restricted for no reason. I lost the ability to use the card for 10 days while they researched the issue or had to pay {$87.00} to activate the card. They should have researched and changed this immediately and reversed all service charges. I 'm still waiting on the result of their research. Info from XXXX bill pay system : Biller ID XXXX, Payee name : Bank of America, Payee account number : XXXX, Payment amount : {$4000.00}, File transmission date : 1XX/XX/XXXX XXXX EST, Payment effective date XX/XX/XXXX, Trace number XXXX
Consumer complaint received 2023-05-11
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. (OH)

Credit reporting agencies XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Transunion Fraud Alert ( XXXX ) XXXX TransUnion Fraud Victim Assistance Department, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report. 

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud? 

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.