davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
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: College Loan Corporation (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



College Loan Corporation XXXX/ CLC XXXX
Consumer complaint received 2017-11-20
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. (PR)

To whom it May concern : Verifying my report with the Experian agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXy # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Consumer complaint received 2024-10-13
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

First off I am a current Capital one customer and hold 2 of there cards, the platinum, and the spark for business. I love capital one and make all of my payments on time. 

I subcontracted for a company and a man named XXXX XXXX and he had me use his card a couple times. apparently he added my as an authorized user to his card at some point in time and states that he does this for all employees that he lets use his card. 

This was done without my permission and last week I started getting letter that some of my credit limits have been lowered due to a couple late payments. after investigating I see that his account is reporting to my XXXX credit report and this is not a reflection of my personal payment history as I have a stellar 100 % payment history. 

I would like this account removed from my personal credit report so that I can try to fix the damage that has been done with my credit limits reduced. My utilization was at 15 % and now that my limits have been lowered my utilization has jumped up to 65 % which on top of the late payments have dropped my score over 144 points!! 

I am sickened by this and hope for a quick and speedy resolution! I take pride in my credit and need this fixed!
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I sent following email to Experian with the subject of " Correct my score " .I got these scores from Experian website and I paid them to get these scores. They sold it as three credit bureau score. And clearly written there they are based on fico score XXXX. 

In reply they sent me a email explaining the difference in score models. 
As you can see in the following email from them. And clearly ignored the real issue. 
that why there is so much difference in score when credit reports are similar, and were based on Fico score XXXX. 

Correct my score Hi, My credit report of Experian is identical to my credit report of XXXX, and they both are based on Fico score XXXX. My score at Experian is XXXX and my score at XXXX is XXXX. 
This is a difference of 46 points. This difference in my score is from almost 2 years since I started noticing that. 
My credit score at XXXX is XXXX. also based on Fico score XXXX. 

My question is please tell me why there is difference of 46 points. 

XXXX XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX regarding your FICO Score. 

We understand your concern that the Score you received might be different than one you received from a lender. 

FICO Scores are developed by XXXX XXXX XXXX. The FICO Score provided by Experian is based on the FICO XXXX scoring model. Many but not all lenders use the FICO XXXX scoring model. 

There are many different credit scoring models that can give a different assessment of the credit risk ( risk of default ) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO XXXX, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. 

At present time my score at XXXX is XXXX and at XXXX  is XXXX But my score at Experian is XXXX when credit reports are similar. This is difference of more then 100 points. No matter what Scoring model is used here difference is very big. 

XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca - XXXX ( XXXX ) XXXX XXXX XX/XX/2017.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX DOB : XX/XX/XXXX SSN : XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : Request for Debt Validation To whom this may concern, it is important to note that this is I, XXXX XXXX and not a third party or credit clinic. 



This is a formal request for validation of the debt that I see reported on my credit report. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) & 15 US Code 1692 ( g ), I have the right to request validation of the debt you claim I owe. 



It is also important to note that this is not an admission of liability also according to 15 US Code 1692 ( g ). 

Please provide me with the following information for Account XXXX XXXXXXXX : XXXX ) The amount of the alleged debt. 

XXXX ) The name of the original creditor. 

XXXX ) Verification that you are Licensed & authorized to collect this debt in the state of Florida. 

XXXX ) A copy of the original agreement or contract that created this debt, bearing my wet ink signature. 

XXXX ) A detailed statement outlining the charges and fees associated with this debt, including any fees, interest or other charges. 

Under the provisions of the Fair Credit Reporting Act, I hereby insist that these items be thoroughly investigated and expunged from my report. It is my understanding that you will conduct a reassessment of these items with the relevant and necessary creditor. I kindly request the removal of any information that the creditor is unable to verify. As per 15 U.S.C. Sec. 1681i ( a ), I expect this investigation to be completed within 30 days of receiving this letter. 

Please send an updated version of my credit report to the address stated at the beginning of this letter. As stipulated by the act, there should be no charge for this updated report. Additionally, I request that you notify all parties who have obtained my credit report in the past XXXX months of any necessary corrections. 

I appreciate your time and assistance in resolving this matter. 

Until I receive this validation, I dispute the validity of this debt and request that you cease all collection activities until you provide the necessary documentation. 

Please respond to this request within 30 days. Thank you for your attention to this matter. 

Sincerely, in good faith and clean hands, XXXX XXXX Account # XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
Consumer complaint received 2017-10-18
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: HONOR FINANCE, LLC (FL)

I went in and bought a new car. The company backed out of loan after booking it issues with title brought the car back. Called the financial company and asked when it would fall off my credit because I had to buy another car and they where reporting new opened auto loan. They said a couple days. Then a couple weeks later it was still their and the new financial company is requested a letter showing I do n't owe this. When I called honor financial they said they never reported to my credit and was very rudely treated. So I sent a letter in writing by email to their funding department and the vp of the region. And got no response and still no letter and still on my report.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
2 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
4 ) XXXX. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 5 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00}. 


1 ) XXXX of XXXX # : XXXX This account has been resolved as of XXXX XXXX with a payment arrangement and consolidated into XXXX account # : XXXX and this information should not be in collection file and deleted immediately from my credit file. 
2 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
3 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
4 ) XXXX. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
5 ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as Agreed.
6 ) All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

Yours truly, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service, Inc (OK)

this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and XXXX.
Consumer complaint received 2017-11-20
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)

I filed dispute XXXX with the CFPB against Transunion on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from Transunion on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that Transunion responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of Transunion reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that Transunion just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was  updated and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score was up. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX explained that Transunion would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by Transunion after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. Transunion has not notified or updated my information and XXXX XXXX continues to decrease my credit lines. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. This is an unfair practice. 

I would like my information updated. I would like my credit lines increased. I would like my credit score to stop being effected over an error that has been corrected.
Consumer complaint received 2017-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi my name is XXXX XXXX and I 'm filling a second complaint against bank of America again I received a letter about my claim and it was denied by the bank in the amount of XXXX and it was rebilled back to me and I also received a phone called from a banker and she was unprofessional and called me too early in the morning and told me that I was denied on another claim for XXXX XXXX in the amount of XXXX and XXXX and I was rebilled twice and I never used the temp credit and I also received a rebilled for XXXX in the amount of XXXX and XXXX in the amount of XXXX and never was issued a temporary credit for those two charges and I was told that my investigation will be reopend but I have n't got my issued resolved yet and my credit score is dropping by 15 points every two weeks and I 'm not responsible for these charges my card was stolen alone with my wallet and car keys I report this to the ploice dept and call bank of America and open up a dispute in the amount of XXXX and it was denied because of the chip use and I told bank of America I never used my card at stores and they have n't done anything and leaving me responsible for the charge and I cant afford to make payments for it I called XXXX bank to put a stop payment on XXXX because I did n't authorize it that debit card was stolen as well and I got a new debit card on that on ending XXXX