davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
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 (NC)

To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX  still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
Consumer complaint received 2018-08-23
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. (FL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Consumer complaint received 2018-08-23
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 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Consumer complaint received 2018-08-24
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. (TX)

On XX/XX/XXXX, this company named XXXX signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that XXXX has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
Consumer complaint received 2018-08-23
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: WELLS FARGO & COMPANY (NC)

Contacted Wells Fargo in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Consumer complaint received 2018-08-24
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: Risecredit, LLC (TX)

On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
Consumer complaint received 2018-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

In XXXX of this year XX/XX/2018, I enrolled in auto pay for my 5 outstanding student loans that are processed with Navient, see attachment A. Enrollment in auto pay qualified me for a credit and on XX/XX/2018, I received a letter from Navient acknowledging the amount of credit to be {$1200.00}, see attachment B. 

The {$1200.00} credit was posted to a loan which I just paid off in XXXX, so I had to call Navient customer service to apply the credit to pay off 3 out of 4 remaining loans. On XX/XX/2018, I received acknowledgment letter about it, see attachment C. 

On XX/XX/2018, I called Navient to increase my automatic payment amount in order to pay my last remaining loan faster. I am not sure what happened at Navient at that point, but my credit was retroactively taken off, see attachment D. I didn't receive any notifications about this at the time. 

On XX/XX/2018 I received Navient notification that I am past due on my loans and showing outstanding balances on the loans that were paid off, see attachment E. 

I had called Navient numerous time trying to resolve the issue, the last call on XX/XX/2018 was almost two hours. The customer service representatives agreed with me and assured that the errors would be corrected, but nothing has been done so far. I keep the log of my calls to Navient should you need the details. Please help me to get this issue resolved, I am not supposed to be charged interest for the loans that have {$0.00} balance.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants, a collection service in XXXX, FL, popped up on my credit file as a collections on XX/XX/18. The original creditor listed was XXXX XXXX XXXX for {$740.00}. I called Diversified and informed their grossly impolite agent ( XXXX somebody ) that the debt was not mine, but my daughter 's debt at her old college address. I never lived at the address, never ordered service at the address, never received an invoice for the {$740.00} from XXXX XXXX XXXX. 
I do maintain an XXXX XXXX XXXX account in good standing at my address in XXXX XXXX, FL, for the last 3 years. 
My daughter was contacted by XXXX XXXX XXXX in XX/XX/2018, regarding the balance owed, but the service dates, address listed as the service address, and amount owed were all incorrect. She requested XXXX XXXX XXXX conduct a premise research into the matter to confirm the correct address and service dates, thereby allowing XXXX XXXX XXXX to revise their statement. That was the last interaction she had with XXXX XXXX XXXX, they never contacted her again, certainly never contacted me as it was not my bill to begin with. 
Lastly, I can make a very informed observation about XXXX XXXX XXXX 's customer service and billing departments as I've consistently ( almost monthly ) had errors committed in terms of which services I'm billed for, discount programs I'm promised on the phone that don't carry forward to the invoice ... .terrible customer service and billing reps.
Consumer complaint received 2018-08-23
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. (TN)

Transunion has repeatedly reported inaccuate information that has negatively impacted my credit reports and scores. The Company failed on numerous occasions to VALIDATE debt from XXXX  XXXX XXXX. The Companys website lags tremendously, and I am no longer allowed access to dispute forms. The Company also has continued to report accounts ( XXXX, XXXX, XXXX, ). These accounts were successfully disputed after being sold to XXXX XXXX and XXXX XXXX XXXX. Transunion has yet to remove the accounts from my credit reports.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

REQUEST FOR VALIDATION OF DEBT Dear Portfolio Recovery, Your letters was received on XX/XX/2017 alleging that I owe a three debt to an original creditor named XXXX XXXX Im not aware of this accounts You are reporting XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX or Portfolio Recovery.

So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 

NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. 

Please correct the records with XXXX, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above.

Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance is willing reporting false information to my credit report on XXXX and XXXX. They Updating the bureau with the wrong information even those I have proof from Honda of the correct information. It is past the 7 years and should be off my reports but Honda is reporting different inaccurate date knowing they are wrong.
Consumer complaint received 2018-08-22
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: ENCORE CAPITAL GROUP INC. (OH)

I have written dispute letters to XXXX, XXXX and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA  states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2018-08-24
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. (NC)

I contacted Equifax on XX/XX/2018 about four amounts on my credit report file, which do not belong to me. The bills are from XXXX XXXX XXXX  . I asked Equifax to remove the amount from my report because the did not belong to me. Equifax told me they will investigate and they did not do anything. I called again on XX/XX/2018 about the same problem, it has still not been taking care of. Today XX/XX/18 I called Equifax to remove the four collections from XXXX  on my credit report and they refused to remove the charges on my credit report.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX I received a credit card offer from USAA for a USAA XXXX XXXX credit card with various temporary benefits. The offer was to expire on XX/XX/XXXX. On XX/XX/XXXX I applied online for the card. I received a call from USAA within the hour informing me that I had frozen my credit and would need to allow them access to XXXX in order to complete my application. I immediately obtained a one time pin number from XXXX allowing USAA access to the needed credit report. I called USAA and provided them with the pin number. On XXXX I received a denial online with the reason being an inability to obtain a credit report. On XX/XX/XXXX I obtained a 2 week lifting of my credit freeze from XXXX and attempted to reapply for the card. The offer was no longer available online, so I called USAA to reapply. The representative said she would look into the situation and called me back to inform me that once they had denied my application that offer was no longer available. I advised her that it seemed like an odd decision since the error was USAA 's. On XX/XX/XXXX I received a new offer online for the same card with the same benefits, but the offer was not available to me when I attempted to apply that same day.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Knight Adjustment Bureau (CA)

I received a voicemail on my phone number that was intended for my wife saying she was being served and she owed a debt and had a judgment against her. We were unaware of this debt and I called the number back and was transferred to a man named XXXX XXXX. XXXX XXXX pulled my personal information from my number I suppose and his first line of tactics was to point out I couldnt possibly be married to my wife because I am too old for her. He hung up on me and I called back and asked to speak to anyone else. I was immediately transferred to him. Im just going to list the next insults because the narrative is too long. I am a XXXX for marrying my wife. I am abusive and do not let her make her own decisions. His job is to turn old guys like me into pretzels ( physical threat, obviously ). Im too XXXX to understand anything he says. I am too cheap to buy my wife the things she needs. I am unable to XXXX XXXX XXXX XXXX XXXX. He refused to tell me what the debt was from, who it was owed to or how much. Then he called my father-in-law to tell him his daughter married a XXXX. Then he called my sister-in-law to say the same. Then he called me back to tell me again that i was too XXXX to understand what he was saying and told me he would talk to my wife ( who he called non-stop for some time ) and me after she returned home but at least then he told me it was an old XXXX account and that it was XXXX XXXX bucks. There was a whole lot more Youre old, youre XXXX stuff but it got boring. The ironic thing is I was actually calling to just pay whatver she owed but he never allowed me that option.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Lendmark Financial Services (FL)

XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
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. (OH)

I have written dispute letters to XXXX, Experian and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.