davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jzanus Ltd. (NY)

I received several letters saying I had a debt to a hospital for the    XXXX   XXXX   XXXX   XXXX   , scared I paid the debt as I did n't want it to mess up my credit. However, now I received a call saying the debt was not paid to the company  Jzanua LTD.
Consumer complaint received 2022-06-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

" I am a member of a group attempting to get free from the terrible Spousal consolidation loan product of early 2000 's which was discontinued due to just how bad of a situation it put people in. This loan was sold as FFELP by govt. to private service companies so not only is it currently impossible to separate the loans after divorce, I am not eligible to consolidate into a Direct Loan that would allow for a more reasonable income based refinancing option or qualify for PSLF which I would surely be eligible for based on my close to 2 decades working in the non-profit XXXX XXXX field in XXXX XXXX XXXX, where I currently the XXXX XXXX of a private not-for-profit Supported Employment program for adults with severe XXXX  XXXX. I have made every single payment both when married and once divorced, at the expense of other things such as owning a home, and am requesting your assistance to put me back on an even playing field with those in Direct loans and eligible for PSLF.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Although this issue has cost me thousands in higher interest rates I only discovered the actual cause of the problem in XX/XX/XXXX. 
Transunion ( TU ) is treating my {$150000.00} Home Equity Loan ( HELOC ) as unsecured credit card debt instead of a loan secured by real estate. TU even mentions this in the XXXX notes explaining whats negatively impacting my score ( no real estate loans and too high revolving debt ). As such my FICO score when calculated through TUs XXXX model is OVER 100 POINTS lower than when my FICO score is calculated using a model created by XXXX ( and, I believe, XXXX ) .TU rates me a C while XXXX  has me either a B+ ( very good ) or A ( excellent ). Two weeks ago - on the same date - my TU FICO was XXXX/XXXX while my XXXX  FICO was XXXX/XXXX. ( I can only find pictures I took showing TU at XXXX on the same day XXXX was XXXX and will attempt to upload them. ) My HELOC is from XXXX XXXX. It originated on XX/XX/XXXX as a five year line of credit. On XX/XX/XXXX the loan became exclusively a 15 year repayment -mortgage like- loan in the monthly amount of {$1300.00}. 
The HELOC has always been secured by my home so I do not understand how TU is permitted to treat it as unsecured credit card debt.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to formally request the blocking and permanent deletion of the fraudulent account and inquiry listed below, which were created in my name without my authorization as a result of a data breach. I am a victim of identity theft, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal from my credit report.

The details of the fraudulent account are as follows : XXXX. XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Additionally, please remove the following unauthorized inquiry : XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (CA)

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

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
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (NV)

On XX/XX/2022, GRAIN TECHNOLOGY INC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRAIN TECHNOLOGY INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 a certified letter was sent to Wells Fargo to validate the debt and cease and desist collection activity. 

Wells Fargo violated the 15 USC 1692g : *Wells Fargo did not validate the debt.

*Wells Fargo sent an " Acknowledgement Email '' on XX/XX/XXXX, XXXX with case number : XXXX. 
*I received a letter dated XXXX XXXX which stated Well Fargo received a cease and desist communication. Wells Fargo advised they will continue monthly paper statements and advised that the communication was an attempt to collect a debt and that any information obtained will be used for that purpose. 
XXXX XX/XX/2022, Well Fargo sent a bill attempting to collect a debt.
Consumer complaint received 2024-11-01
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. (CA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... XXXXA late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of MILESTONE granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (MD)

Good Day I received a letter from the Sentry Credit about an alleged debt received on XX/XX/XXXX. I responded with an dispute onXXXX with a certified return request letter from the US Postal Service asking Sentry to validate the debt. this was my second time I requested Sentry to validate the debt. This company has failed to validate this account on multiple occasions. Sentry failed to provide legitimate proof to include a signed contract as requested on my original letter to Sentry Credit. 

I received a return letter from Sentry Credit on XX/XX/XXXX providing a statement that I have attached without an exact amount listed, I did not receive a copy of a contract with my signature that this debt is indeed mine. A bill is not proper validation of the debt and they are not the original owners of the debt. I have to protect my financial interest to assume that any debt, bills, or any other financial obligations indeed are indeed mine during this time of so much fraud and malice. I also have a right within the FDCPA to request a copy of a signed contract to assume responsibility of a debt ; as this ensures that this creditor has the right person and a method of validating the debt. Sentry credit also did not remove the alleged debt from my credit file during the 30 day verification process a violation of 15 USC XXXX  ( 1000.00 ). 

This company has knowingly violated 15 USC 1692g ( 1 ) the exact amount of debt owed. 

15 USC 1692i ( a ) signed contract.

15 USC 1692k ( a ) Creditor still reported on my credit file during debt validation process. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX. XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is reporting a XXXX XXXX XXXX  card on my credit file that does not belong to me and appears to be Fraud, I have contacted TransUnion several times to have the XXXX XXXX XXXX Fraud account disputed, investigated and removed,. TransUnion continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX XXXX, I did not give authorization to XXXX  XXXX back or any creditor to open an account in my name. Under the FCRA TransUnion must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (NJ)

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Consumer complaint received 2018-11-03
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. (AZ)

I have disputed the student loan accounts XXXX/XXXX  XXXX, XXXX  XXXX, XXXX  XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (MS)

In XX/XX/2018 I canceled my cable and internet service with XXXX due my moving to an area that XXXX did not provide service for. Close to a month later I received a bill for XXXX dollars and XXXX cents. In early XX/XX/XXXX I spoke with a customer service rep and told her ( can not remember name ) that I was scheduling a payment. I scheduled the payment to come out mid XX/XX/XXXXand I  AUTHORISED XXXX to debit my checking account for the amount owed. On XX/XX/XXXX they finally debited the amount from my checking account. On XX/XX/XXXX a debt collector mailed a collection letter to me that arrived to my address on XXXX stating that XXXX has placed me for collections with them. The companies name is Easter Account System of Connecticut. I have no idea when I was actually placed for collections however I was told by a customer service rep that as long as I scheduled the payment I wouldn't be placed for collections.
Consumer complaint received 2018-11-03
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. (HI)

I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am disputing the item on my credit report XXXX XXXX   Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX Company my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap.

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX  on XX/XX/XXXX I made payments since XX/XX/XXXX tellXX/XX/XXXX in the amount of XXXX  thats a total with all payments made by me and, my Insurance company XXXX  also I have gap through XXXX that included total loss plus GPS XXXX  WARRANTY which I only got to use the GPS for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX  for XXXX plus XXXX for GPS. Which was told by XXXX XXXX that will be applied to my balance.

The reporting of this should be paid and, closed with a XXXX   balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XX/XX/XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America sold our loan in XX/XX/2016 to XXXX. XXXX changed the status on the new loan to reflect late charges when the loan was with Bank of America. Then Bank of America changed the name of the mortgage to XXXX as well. Both companies and the credit bureau have cause over 100 point drop in my score because of their wanton and malicious double and inaccurate report of my credit. This change was made as retaliation against my wife and I for holding Bank of America responsible for not offering the Partial Claim on our mortgage before we instructed to not make payments for nearly a year -this destroying our credit. They were required by Federal Law to offer the partial claim, Year did not until nearly a year later. Now that we are holding them accountable, they have double reported delinquency on both an account that was past due and an account that was new and closed. Either Bank of America or XXXX or both MUST correct my credit report. This is outrageous.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMPUTER SCIENCES CORPORATION (IL)

We paid off 2 car loans with XXXX XXXX located in Texas. One was paid off in XXXX and the other in XXXX. We did not receive our released car title in either case. When I called them I was told that the titles had been mailed out however I have yet to receive either one. They refused to obtain a copy of the vehicle title or to reimburse me the 2 x {$95.00} fee 's that I will now incur due to their negligence with my titles. I had no problems receiving the monthly loan payment notice so I find it hard to believe that both titles ( mailed at separate times ) could not reach my home address. I do not believe that these titles were ever sent to me. CSC bought my loan from XXXX XXXX and I strongly feel that these titles may have just been lost in the purchase of our loan. Either way, I can not understand how this should be my responsibility to pay for a missing title, especially two times in a one month period. I want CSC to send me {$190.00} to cover the cost of the title replacement. 
XXXX XXXX XXXX
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Its a dispute in the amount of XXXX. The company I purchased services from hasnt lived up to their end of the bargin. They provided outdated info and didnt provide a specific discount with XXXX that was promised. I contacted Capital One and opened a dispute. They issued 2 temporary credits. I sent in the requested documents Immediately then they said I failed to send in an expert opinion they requested so they closed the dispute. They never asked me for an expert opinion and are refusing to reopen the case even after I gave them info that XXXX XXXX  is deceptive .CAPITAL ONE HAD NO RIGHT TO STONEWALL ME .THEY PROVIDED NO ASSISTANCE.