davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-04-16
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: GOLDMAN SACHS BANK USA (NY)

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS.as of account XXXX XXXX apple XXXX XXXX  the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2023-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AK)

My private student loan with AES has been traumatic experience in my early adult years where this company worked against my best interest to incur interest while I was still in school and strong armed me while I was struggling to refinance this loan at a XXXX % variable interest rate for 30 years. Resulting in my already paying XXXX XXXX XXXX XXXX  dollars over the original amount. 

Once I pushed my career to a point that I could get a handle on this loan I was able to refinance I did so with a company I trusted and for years actually paid down the principal of this loan. Then I found out that AES bought that company and I'm stuck with them again. 

It is not even the full first day that AES owns this loan AGAIN that they are already spamming my email saying I'm delinquent without even first sending notice that they have this loan.
Consumer complaint received 2024-10-02
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. (GA)

Subject : Formal Request for Immediate Validation or Removal of Disputed Account MRSBPO ( Original Creditor : Spectrum ) Dear [ XXXX, Experian, XXXX ], I am writing to formally dispute and demand immediate validation of the XXXX account ( Original Creditor : XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$170.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. In accordance with the FCRA, I request that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
Verification from the original creditor, Spectrum, that I am responsible for this debt.

The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also mandates that any collection agency must provide validation of a debt when requested. Reporting unverified or inaccurate information constitutes a violation of both the FDCPA and FCRA.

Moreover, 15 U.S.C. 1681s-2 ( b ) requires that the credit bureau must stop reporting the disputed account until it is verified. If you can not provide verification of this account, I demand that it be removed from my credit report immediately, as is my right under these laws. 

Please provide written confirmation of your investigation within the 30-day period as stipulated by law. If this account is not validated or removed promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies.

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made.

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA.

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.
Consumer complaint received 2023-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (DC)

Received call from someone at CBE group asking to speak with me. They identified me by my full name and said they were calling on behalf of another organization, but before they could disclose anything I needed to verify my name and 2 pieces of identifying information including phone number, email, and/or address. I refused and asked what it was in reference to - said they could only tell me it was on behalf of a clinic I visited 2 years ago while living elsewhere. I immediately hung up, called the clinic, spoke to billing manager who indicated that I had XXXX  outstanding balances with them and they never sent my information to anyone. They provided me with a statement attesting to this fact. I immediately called CBE back and asked to speak with a supervisor. They refused to disclose anything without me verifying any personal information. I said no and they said they were beholden to regulations that prevented them from sharing what the debt owed was for. I read verbatim from the FTC site that said they had to disclose amount of alleged debt owed within 5 days of contacting me. I received another call a few days later, going through the same process. They were all located in the Tennessee office- XXXX, XXXX, and XXXX. It is super predatory.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. 
I previously sent all my documents to XXXX, XXXX, and Equifax, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (NY)

as ofXX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment XXXX XXXX $
Consumer complaint received 2023-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (WA)

I contact professional credit services ( XXXX XXXX ) in XXXX of 2023 the about is for {$12000.00} please remove this from my XXXX XXXX and XXXX its a medical bill this account is illegally and reported on my credit reports this collection is violating my privacy and also XXXX I would like for this account to be removed from my credit report please they also dont have the right to have this collection and the wrong dates or on there please remove this in with in 30 days. 
I also have other one of medical bill from puget sound collection ( XXXX XXXX ) for {$1200.00}
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been dealing with incorrect information on my TransUnion credit report for months doing several disputes. I contacted XXXX XXXX twice within the past month to have it corrected on their end and was told during my second phone call that it was correct on XXXX XXXX XXXX end however it is not. The account is closed and paid in full but it shows in TransUnion as mixed information with an account that is currently open. XXXX XXXX does not show one {$3500.00} payment that was made but it does show that it was paid in full and closed.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AK)

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up.

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at 18-20 % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the sleazy account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off XXXX  loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.
Consumer complaint received 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

On XX/XX/23 I have received the letter from Afni , Inc, Reference : XXXX regarding {$240.00}XXXX XXXX I owe to XXXX XXXX, acct. # XXXX. I don't have any XXXX XXXX account. The account I had was closed year ago, one week after it was opened and equipment was sent back. I checked all my billing statements and there's no any existing balance from XXXX XXXX. That's harassment and fraud and it effects my credit records. I'm requesting that problem to be corrected immediately, because, as I mentioned, it effects my credit records.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/2023 I made XXXX payments through XXXX XXXX of XXXX dollars XXXX dollars and another XXXX dollars. later those three were refunded to me. XXXX XXXX  told me that the funds would be available to me on Wednesday XX/XX/2023. They were not available and these transaction did show in my chime account in checking. When the funds was not available to me in chime I then spoke with XXXX XXXX and chime. On Thursday XX/XX/2023 I went to file a dispute on those three charges and many other one which chime has been fixing those but I could not file a dispute on the XXXX, XXXX and the other XXXX dollars that XXXX XXXX refunded me on XXXX XXXX which went back to my bank account on XX/XX/2023 XXXX XXXX and XXXX XXXX said that refund was completed but conveniently those transaction are no long even viewable on my chime checking account. I have been on the phone sending chime proof of all this by screen shots I have been taking this time because this is not the first time chime has done this and there was nothing I could do about it because I did not have proof but this time I have the proof and Chime is not doing anything about this. This is XXXX dollars that Chime has stole from me.