davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (KS)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

Jefferson Capital Systems , LLC is reporting on my credit report for XXXX XXXX XXXX ( a credit card company ). I 've contacted Jefferson Capital and ask for the original indebtedness of said account to no  response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (GA)

I got a loan for {$500.00} in late XXXX with http : XXXX The owner only let me spend {$250.00} and told me that I would still have to pay the full amount. 
After returning merchandise after being told I was told I couldnt end lease because he would have to send merchandise back that hes already sold. 
Im expected to pay {$500.00} plus another {$500.00} if I dont pay by the end of XXXX. I never even received {$500.00} and after telling the company I was told to sue the owner instead of them handling the issue. 
The owner texted me saying I need to stop calling because hes not canceling my lease. My credit has been hit twice, Acima is saying theyve never had this problem so Im assuming theyre taking it lightly that not only my credit is being ruined but Im also being scammed! I have an overdue balance on merchandise I NEVER RECEIVED BACK & the merchant never even gave me a receipt. I was told I dont need it to cancel the lease or do a return both sites are a scam
Consumer complaint received 2020-03-18
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. (TN)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-10-15
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a dispute to Equifax by US certified mail ( received on XX/XX/2021 ) in full detail explaining that they are reporting information that is incorrect on my credit report. I included a copy of my XX/XX/XXXX. driver 's license ( proof of ID ) and a copy of my water bill ( proof of residence ) as required on Equifax 's website in disputing incorrect information. On XX/XX/2021, Equifax sent me a notice that they were unable to locate me with the information that they initially requested I send to them. Equifax is delaying the process of investigating my dispute within 30 days by requesting frivolous information that has already been submitted.
Consumer complaint received 2020-01-06
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. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I have contacted several equifax via phone and via letter to let them know that they are reporting an incorrect address for me. I have submitted identity proof and a copy of my bills showing the correct address however they continue to report the incorrect information. For some reason they show that my address is in XXXX Florida however I do not live in XXXX or in Florida. I have wasted over 15 hours trying to fix my address and they continue to report it incorrectly.
Consumer complaint received 2020-01-19
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: CITIBANK, N.A. (CA)

I contacted Citi Bank in an attempt to resolve my moderately past due account. I put forward a reasonable proposal that if they'd waive all late fees and ensure that my interest rate remains unchanged, I could dig in and pay the entire amount due, but past due and current. They stubbornly are refusing to waive one {$28.00} fee. I would imagine me paying the entire amount due to bring the account current in exchange for the waiver of this small fee is more than reasonable. I only fell behind due to unexpected unemployment, but am trying to work with this creditor in good faith to service this debt now that I am again employed.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.
Consumer complaint received 2020-01-19
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: First Data Corporation (MN)

The following account opening inquiries listed on my TeleCheck Consumer report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018 and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (SC)

I have never needed nor have i ever took out any type of loan for an education. I didn't even go to school after high school. This is not my debt. There is no reason to try to collect a debt from me, because my credit report is clean, except this and i don't owe any companies money, or in collection status. This is not my debt. Remove it.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I looked on my XXXX XXXX  app to check my credit and I see a debt collection for ENHANCED RECOVERY COMPAN for a XXXX account that Ive never owned I disputed it through XXXX XXXX but I still havent heard back from them I have had the same XXXX  phone account with the same number for almost 6 years. I really would appreciate it if they remove this fraudulent debt from my credit report.
Consumer complaint received 2017-06-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (WA)

On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.
Consumer complaint received 2020-01-19
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: ERC (FL)

I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to XXXX. XXXX is reporting missed payments on Equifax. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$620.00} Closed
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

BARCLAY 's Bank - XXXX XXXX XXXX Master Card My Statement Due Date was XX/XX/XXXX. 
Total Due {$4400.00} I paid through XXXX XXXX Banking, it was an electronic payment for the Full Amount. 

I have proof from XXXX XXXX showing the electronic payment was received on XX/XX/XXXX. 

The Credit Card company is stating the payment was not received until XX/XX/XXXX They are telling me they have 2 to 3 Business days to process all payments. 
If they need this time, they should adjust the Payment Due Date. 

I think this is unfair practice and a way to charge consumers.
Consumer complaint received 2017-06-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

My best friend received a call, today,    XX/XX/XXXX  ,  stating that  XXXX   XXXX  was trying to contact me for a debt. When I called the company, they called me back private, so it went straight to  Voice  Mail. I then called back at the number she left for me,    XXXX   XXXX   XXXX  ,  and was immediately placed on hold while they looked up my records. She then informs me that   XXXX   XXXX   XXXX   was attempting to collect a debt from a payday loan I received in    XX/XX/XXXX  I informed them that I could n't recall that loan, and asked for details. They stated that they were not a collection agency, but a mitigation company attempting to mediate the issue out of court. She then went on to say that they would attempt to collect 3 times the amount owed plus {$500.00}, but that I could pay {$410.00} today to settle the debt. I told her again that I did n't recall, and asked for a debt validation letter. She then transferred me to a supervisor. The supervisor got on the line and tried to bully me into paying. She stated they did an asset evaluation on me and asked if I owned  XXXX  vehicles,  XXXX  is my current vehicle, the other I have n't had for years. She said they we 're placing a lien on my car, and would also be taking me to court. I told her that I needed a debt validation letter, and she said they did n't have to send me anything because I was n't calling the shots here. I asked for the name of the company, she stated it was   XXXX   XXXX   XXXX   At some point in the conversation, she also stated that the debt was from  XX/XX/XXXX , not  XX/XX/XXXX .  I called   XXXX   XXXX   XXXX   and they could not find a loan for me. The claim number she gave me is :  XXXX .
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST (CA)

I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
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For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.
Consumer complaint received 2020-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My loans went from the Educational Department to XXXX XXXX, and when I applied for PSLF to FedLoan Servicer. I had to start over again as my repayment plan was not that one that was excepted. How did they not catch that? So, at almost {$400.00} a month I decided not to go back on the income based plan. 
I found out about the the Temporary Expanded PSLF, and even though FedLoan Servicing actually holds my student loans, I was notified that their records show that ; " Our records show that you have not submitted a PSLF application to date ''. I am just one guy that has worked for the XXXX XXXX XXXX for a little over 10 years. I can make it though. However, is this shady practice of how the ED works effecting our educators and public service providers as well?