davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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: TD BANK US HOLDING COMPANY (MI)

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX with TD Bank/XXXX that she did not authorize. An official dispute of this was faxed ( verified received ) to TD Bank/XXXX fraud department XX/XX/XXXX. In response TD Bank provided application data however did not confirm the issue was resolved nor did they remove the inquiry from the credit report. This is a violation of FCRA and my clients federal consumer rights.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-09-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( XXXX, Experian, XXXX ). The accounts are as follows XXXX XXXX XXXX XX/XX/2010 Balance {$4400.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$9700.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$12000.00}.
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. In XX/XX/2018, I submitted an online dispute on Experian website through their Dispute Center to have specific accounts removed that I believe were placed in error. Among those were, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. On XX/XX/XXXX, I received a notification via Experian 's dispute center stating the accounts had been verified. They did not however, provide me with any supporting documentation or original contract bearing my signature proving I had a contractual obligation to pay the debts in question. Therefore, the accounts had not been verified. On XX/XX/2018, I sent a follow up letter via certified mail to Experian requesting the documentation for the accounts they previously claimed had been verified. Rather than providing documentation, I was sent a letter stating, " We have previously processed this dispute and the credit grantor has verified its accuracy '' and that they " ... will not reinvestigate this information again. '' By not providing documentation and refusing to " reinvestigate '', Experian is in direct violate of my rights as a consumer.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Equifax failed to remove a collection account that was previously removed in an investigation a few years ago, I submitted a dispute about the account but they did not fix it or explained to me how it was verified.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by slience XXXX XXXX XXXX ( mo ) XXXX XXXX. | presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist. ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On or around XXXX of 2018 I received a phone call from someone stating they worked for a law office and I was being sued for an old overdrawn bank account if I didn't make immediate payment. I asked for proof of the debt and was told that it was past of the point where I was owed any proof, either to pay or I was going to be served with a subpoena at work. I told them I wouldn't pay anything without proof and blocked the phone number after being told again they wouldn't provide any proof. On XX/XX/18 someone stating their name was XXXX XXXX and working for XXXX contacted a co worker of mine and told them that I was being sued for an old debt and asked that I call them back at XXXX. The message was passed along to me and I called back. I spoke to someone named XXXX XXXX at extension XXXX who told me that XXXX was the company they use to serve court paperwork and he didn't know who XXXX XXXX was. He told me that I owed {$640.00} dollars for an old Huntington Bank account and if I didn't pay it that day I would be served with court paperwork and sued for a larger amount. He stated that he worked for XXXX XXXX in Washington State and his company was attempting to collect the debt of behalf of XXXX XXXX XXXX in XXXX XXXX, CA. I asked for proof of the debt and he stated he would email me documents but it was all pdf documents and it took him a while to send. It seemed as if he or his " company '' were creating the documents as I was on hold. He did ended up sending them to me and I paid the {$640.00} on my credit card to avoid the possibility of being sued or having my accounts frozen which I was told would happen. I believe strongly that this was fraud and also received a fraud alert on my credit card which I was told I had to remove in order to allow the transaction to go through. 

I was also given a docket number on which the case was supposedly to be tried. The docket number was XXXX.
Consumer complaint received 2018-09-20
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. (OH)

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (NY)

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX/XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
Consumer complaint received 2018-09-20
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. (SC)

I recently went online online to open a social security account, and they asked questions based on my credit past, to verify my identity. The questions asked didn't pertain to me. They asked about loans taken out in 2014, and a store credit card opened in 2014. In 2014, I was not old enough to open any credit cards, or get a loan. Then I went to a credit report site to see if I could order my credit report and look at the issues. The credit report site wanted me to do the same thing, answer questions based on my credit past. I couldn't answer these questions, based on the fact that I should have no credit past, and the questions did not belong to me.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house. 

Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}
Consumer complaint received 2018-09-19
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: ENCORE CAPITAL GROUP INC. (FL)

According to the Fair Credit Reporting Act, consumers have the right to request validation of debts being negatively reported to your credit report. On XX/XX/XXXX, I mailed an initial validation letter to XXXX XXXX XXXX requesting they provide documentation showing proof this account belongs to me. On XX/XX/XXXX, I received a letter stating the debt had been validated, however no documentation was provided showing a contract between XXXX XXXX XXXX and myself bearing my signature. As a result, I sent a follow up letter on XX/XX/XXXX to them requesting for second time, they provide proof or remove account from my credit report. On XX/XX/XXXX, I received the same letter stating the account was correct and had been validated. I have not received any proof or documentation bearing my signature or any legal contract. Therefore, this account has not been validated as required.
Consumer complaint received 2018-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MD)

On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.
Consumer complaint received 2018-09-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Investment Retrievers, Inc. (SC)

Investment Retrievers is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but Investment Retrievers continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2018-09-20
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TN)

Global Radius Solutions, call me and advised that the number they had was XXXXne that was provided to them which is untrue, the number provided is not even on my XXXX account or any place else. The loan they are stating that I owe is still on my XXXX account and from XXXX XXXX which is now closed. They contacted me on XX/XX/2018 under complaint # XXXX and today and advised them for the second time not to contact. 
She complied but i'm pretty sure they will try again.
Consumer complaint received 2018-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

There was a collection with XXXX XXXX that I have been disputing. The account was approximately 5 years old. I disputed many times and it was finally taken off. Only to return through a company called XXXX XXXX XXXX with a resetted date of XX/XX/2017. 5 years of age turned into 3 months is unacceptable and illegal. This needs to be taken off immediately.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX XXXX Equifax Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with XXXX and Equifax have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.