davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amerassist for their failure to provide debt validation and their ongoing violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing an alleged debt with Amerassist and requesting validation of the debt as per the FDCPA, they have failed to comply with these requirements and continue to engage in harassing communication practices that negatively me emotionally. 

I initially disputed the presence of the alleged debt on my credit profile and sent a written request to Amerassist, requesting debt validation in accordance with the FDCPA, specifically 15 USC 1692g. Despite the statutory obligation to provide debt validation within 30 days of receiving my request, Amerassist has failed to provide me with any substantial proof of the debt 's validity. 

Furthermore, Amerassist has continued to contact me via text messages regarding the alleged debt despite their failure to validate it. This persistent communication not only violates the FDCPA 's provisions regarding harassment and unfair practices but also causes unnecessary stress and negatively impacts my credit score.

Additionally, I have explicitly requested that Amerassist provide proof of their ability to collect this debt in my state, as mandated by the FDCPA. However, they have failed to provide any documentation or evidence demonstrating their legal authorization to collect debts within my state. This raises concerns about their compliance with state-specific regulations and further undermines the validity of their collection efforts. 

The failure of Amerassist to validate the alleged debt and their continued harassment through text messages is causing significant distress and adversely affecting my credit score. I believe these actions are clear violations of the FDCPA and its provisions for debt validation, harassment, and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Amerassist for their non-compliance with the FDCPA. I also request that you intervene to ensure the removal of the alleged debt from my credit profile and the cessation of any further collection activities by Amerassist until they can provide proper validation and proof of authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to address this complaint and protect consumers from the unlawful practices of debt collectors. I look forward to a resolution that upholds the rights and interests of consumers like myself.
Consumer complaint received 2023-08-15
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. (AL)

On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX XXXX  reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .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 than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION 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 rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts
Consumer complaint received 2023-08-16
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-08-16
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. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I contacted the retailer via email on XX/XX/2023 ( see attached email ) requesting a paid in full invoice for a generator installation at my home. The retailer responded back the same day that as soon as they see the funds deposited we will get the receipt out to you. I am a bit perplexed as Synchrony processed a purchase on XX/XX/2023 for {$7500.00} for merchant XXXX XXXX XXXX on Synchrony Home card ending in XXXX. Also, a purchase of {$5000.00} was processed with the same merchant on XX/XX/2023 to XXXX card ending in XXXX. I would like to receive a paid in full invoice from the merchant for my records. Please advise me when the above mentioned purchase amounts will be sent to the merchant.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AR)

All three credit bureaus, XXXX XXXX, XXXX and XXXX have failed to change Nelnet account balance to XXXX. Pain in full. I have requested that Nelnet send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and Nelnet are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Received a promotional offer that stated if I opened a new account and deposited at least {$1500.00} into the account, I would earn {$400.00} for this account opening. 
Promo code : XXXX On XX/XX/2023, I opened an account online. A few days later, I received a letter in the mail dated XX/XX/2023 ( day after I opened the account ) stating they closed my account. I called the main customer service line asking why the account was closed. The customer service representative stated that I needed to go to a branch location to show my ID for verification and the account will be re-opened. 

I went to a branch location on XX/XX/2023, but unfortunately, a banker was not available to assist me. 

I went to the branch location again on XX/XX/2023 and the banker pulled up my information and verified my ID but stated that he could not reopen the account but he could set me up with a " new '' account. I was confused at this time why he couldn't reopen but allowed him to set me up with another " new '' account. I made a deposit of {$1500.00} on this day. I asked about the promotional offer and he stated that he placed the offer code on the account opening. 

On XX/XX/XXXX, I received an email from Truist stating : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' On XX/XX/XXXX, I called the customer service department and was transferred several times before an individual was able to explain to me that the original account I opened online was deemed the " NEW '' account and the second one I opened in the branch did not qualify because it wasn't a " NEW '' account. The customer service representative mentioned that she sent my information for an exception but still haven't received the promotional offer nor a status update.
Consumer complaint received 2023-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

My Borrower Defense Loan Discharge Application has been reviewed for well over a year, and since I had to send it via snail mail due to their faulty application process, the status is NOT online for my review. I must call for status updates and since the departments dont speak with one another they dont have much to tell me.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TX)

Revco Solutions Reference # XXXX Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of {$910.00}. I ignored the debt collection attempts until XXXX of XXXX. I figured it was a mistake, but it never self corrected. 

XX/XX/XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. 

XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. 

XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. By providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. I requested they remove the debt from my credit report at the earliest possible date. 

XXXX XXXX No response has received from Revco Solution . I filed disputes with two of the credit reporting agencies with no resolution. A review of my credit report shows the debt remains on my credit report. 

Summary - I have not owned a car since XXXX and have been using ride sharing services for my transportation needs.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

I made my payment of {$100.00} for XXXX, which they received on XX/XX/XXXX, but it still shows that I have a minimum payment due by XX/XX/XXXX. They have manipulated the payment window so that I do not have a full 30 days to make a payment and they are taking my XXXX payment and applying to XXXX 's bill. So now I am supposed to make another payment in the same month for XXXX.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (OR)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-10-31
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-15
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. (TX)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and TransUnion are reporting an inaccurate XXXX account on my XXXX credit report and XXXX XXXX  XXXX on my TransUnion credit report, both of these accounts are the same account with different names and they were both closed on the same date XX/XX/XXXX and both sold to XXXX XXXX XXXX Both of the accounts were said to be opened on XX/XX/XXXX and both accounts were last reported on XX/XX/XXXX. The account was successfully disputed with XXXX XXXX and removed but is still reporting inaccuratly on my XXXX credit report as XXXX ( Closed with {$0.00} Balance ) and inaccurately on my TransUnion credit report as XXXX XXXX XXXX ( Closed with {$0.00} Balance ).
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

US Auto disabled my car after I made a payment agreement with them. I had to download a program to start it again. Additionally, they have gone bankrupt and transferred my loan to another company without notice. I need to know what rights I have. The other company advised I no longer have warranty or XXXX  coverage which was in my original purchase contract. 

I want to be added to the lawsuit against them
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/2023 I used my American Express Credit Card to hire a BRAND new law-firm in Arkansas who had been recommended to me by a friend-of-a-friend to help me in my child custody case. I had never met this lawyer in person, but I was in a bit of an emergency situation because I had just been hit with a surprise child-custody case that had been filed against me by my ex-husband, and I was trying to stop the emergency hearing from happening without me because I was living out-of-state. When the law firm who agreed to help me last minute tried to run my credit card, it flagged with American Express as fraud. That surprised me, but since it was an emergency situation, I overrode the charges ( and my instincts ) and let them charge it anyway for {$3500.00}. After that, things didn't get better, and last month, my American Express card mysteriously lowered my credit limit without warning me and without explaining why. 
Also, my law firm XXXX XXXX XXXX XXXX XXXX in XXXX, AR ) has been very unprofessional in a number of various ways, and very difficult to get in touch with. She ( XXXX XXXX ) keeps neglecting to give me important information, she wanted me to get a psychological evaluation for {$5500.00} ( I didn't! ) she let me waste an airline flight to Arkansas by not giving me vital info sooner, and I am concerned that in not knowing her/them, being recommended to them by someone I may or may not trust, and having their credit charge flag as fraud, are all huge red flags! Then, with my credit company suddenly lowering my credit limit... none of it adds up or makes sense! Please help me. Thank you!
Consumer complaint received 2023-12-01
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. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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. (CA)

I closed a XXXX account, and they had equipment charges that were not correct. After XXXX searched and realized their mistake they corrected the account. Months after they reported as a collection debt. I disputed it and it was removed from my credit. Months after it shows up again in my credit. I put again a dispute, and it was not removed. I called XXXX, the collection agency, my credit monitor XXXX and they did not remove it. I started again a second dispute with Experian, and they did not remove it. So, I submitted a third dispute and they have not responded. Emails say that its pending investigation. The only thing I want is that Experian removes this information from my record once and for all.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/2024, I used the company 's chat function to request deletion of mortgage insurance. I was advised that since this was a request for early termination an appraisal or Broker Price Opinion would needed to be completed and that the appraised value would need to come back at {$390000.00} or higher to remove PMI ( copies of chat are included with this complaint ). I was asked if I think the home would appraise for that amount or higher to be able to remove mortgage insurance, I replied yes and ultimately opted for the BPO. 

Overnight on XXXX I received a notice in my online servicing account that PMI request was denied due to not meeting ltv requirements. On XXXX I called several times and could not speak to a customer service rep., instead got an endless loop of ivr prompts that kept sending me back to the start. So I reached out via chat for a copy of the BPO report ( copies are included with this complaint ) and it was emailed to me and showed a value of {$400000.00}, which is higher than what was needed, bringing me to 78.66 % ltv. 

XXXX I reached back out via chat to see why my deletion request was denied since the value came back higher than what was needed and I was the transferred to a PMI agent via chat but rather than address my questions he started the process of requesting PMI deletion, this time telling me an evaluation would be needed and will need to come back below 75 % to cancel mortgage insurance and do I think my value will come back at that. ( Copies of transcript attached ).