davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc. (MN)

On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

THE KEEP REPORT THE FALSE STUFF ON MY CREDIT REPORT PLEASE REMOVE THEM I sent a letter out to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/XXXX, I opened a complaint regarding inaccurate information on my TransUnion Credit report. The case number is XXXX. Following this complaint, TransUnion removed these erroneous inquiries. However, on XXXX/XXXX/XXXX, they added a new, identical inquiry to my credit report. I submitted another complaint ( case # XXXX XXXX, and the incorrect information was again removed. 

On XXXX/XXXX/XXXX, TransUnion added yet another, identical hard inquiry to my credit report. This clearly indicates that they have not remedied their error, and are in willful noncompliance with FCRA. 

The original complaint related to XXXX hard inquiries into my credit report by XXXX Bank XXXX XXXX Florida between XXXX of XXXX and XXXX of XXXX. They are reported as applications for a XXXX XXXX XXXX. 
I must stress that I have never applied for any credit card through XXXX Bank, or any XXXX credit of any form. Further, the address and identifying information they provided to Transunion is for another person ( i.e., not me ). The information they provided is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX ( XXXX ) XXXX I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never resided in the state XXXX. 

I have submitted numerous written complaints to both XXXX Bank and TransUnion. Both of them have responded in a dismissive manner, claiming that I did apply repeatedly for this credit card, and that the inquiries will therefore remain on my credit report. If TransUnion were to check their own data, they 'd immediately see that I do not possess the credit score and history of a person who 'd be repeatedly denied for a low-limit retail credit card. 

Here is the information provided for the financial institution on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would sincerely appreciate your assistance with this matter. I feel that their behavior constitutes flagrant and willful noncompliance with FCRA.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX XXXX {$220.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made with XXXX XXXX XXXX The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

( Inaccurate Address )
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

My mortgage servicer, Ditech, has mailed me XXXX requests for proof of insurance on my home. I have provided this information both to the prior servicers of my mortgage and more recently to Ditech via USPS mail. ( Curiously, Ditech only accepts proof of insurance via fax or USPS, not via email or through their website. ) Ditech 's letter states that they will procure an insurance policy for my home if I do not provide proof of insurance, and that this policy will cost me roughly $ XXXX/year. I have provided them with proof of insurance, and they surely should have received the same from the prior servicer when my mortgage was transferred. This seems transparently careless at best, and intentionally difficult at worst.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (FL)

Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX  I paid {$40.00} via PayPal for 2 tickets to be sent to me via email. The seller said that a name change needed to be done on the tickets that would be {$10.00}. I asked for a screenshot for proof and they blocked my contact so that I cant contact them again. 
I have screenshots for proof.
Consumer complaint received 2023-05-13
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 — Problem with personal statement of dispute
Company: Scott Fetzer Financial Group Inc. (FL)

I purchased a puppy from XXXX XXXX XXXX in XXXX, FL and the puppy sustained a XXXX 7 days after taking him home from dire conditions at this puppy mill. The puppy was still there and being " marked down '' like material merchandise like linens or housewares at a store. Horrible to treat animals of all kinds and pets of all kinds this way. I was given a 14 day warranty and took my pup to the vet within the first few days of getting my pup as required by the warranty on the pup from XXXX XXXX XXXX however they have denied my claim and are still going to charge me the {$2800.00} that I financed as well as not reimburse me for the over {$1000.00} in emergency room vet bills due to the pup XXXX XXXXXXXX having a XXXX and said that It was not considered congenital or hereditary even though they had pumped him full of unnecessary XXXX I have documents to show his medical history.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NE)

( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.
Consumer complaint received 2023-05-13
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 (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2016-04-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Tulsa Adjustment Bureau (OK)

XXXX XXXX XXXX utilized XXXX XXXX for XXXX report. My billing\payment information was not sent with the request for service. I was never contacted by XXXX XXXX billing department. All my XXXX expenses have been honored by the Veterans Administration and have been closed. I did not become aware of the account payable until I reviewed my credit report. I contacted XXXX XXXX XXXX and they acknowledged that I was not contacted or allowed to make payment of the account prior to placing a claim on my credit report. Diagnostic Imagining had written off the account according to the XXXX XXXX XXXX and they are demanding payment and refusing to discharge the claim from my credit report. I contacted XXXX XXXX and gave them my correct billing/payment information to resolve the issue. I called this information to XXXX XXXX agency and they said that they were sending me a thirty day notice and they would take further actions if I do not make the remittance to them. I told them that I was paying XXXX XXXX since they provided the service. My issue is : the XXXX XXXX XXXX has the authority to make an adverse impact on my credit report. A transaction agreement usually requires at least two parties. Even though they acknowledged the fact that I had never been made aware of the account billing and I had not been provided the opportunity to resolve the balance, they have the means to impact my financial being legally. While I have no recourse except to dispute the claim with the XXXX Credit reporting agencies or pay XXXX XXXX XXXX and hope they remove the claim. XXXX XXXX XXXX made the contract with XXXX XXXX but failed provide billing/payment information. XXXX XXXX failed to obtain the billing/payment information from XXXX XXXX XXXX who was paid in full by the Veterans Administration. Since credit reporting is suppose to be about the transactions between two parties, I do not think a third party should be able to hold me hostage and effect my financial aspects without my prior knowledge of the debt. This is why I am here typing out this complaint for all Americans who have been a victim of false credit reporting due to poor business practices.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.
Consumer complaint received 2017-09-07
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: Lockhart, Morris & Montgomery Inc. (GA)

After twice writing to XXXX and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named Lockhart Morris and Mont in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and XXXX were suppose to physically verify alleged debts before reporting.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (WV)

Four weeks ago i called Diversified Consultants Inc informing them that I 've never lived or ever had a mailinig address in XXXX, WV where they supposedly mailed their correspondence concerning an alleged debt i owe XXXX XXXX. During that call I gave them my address that i have had for five years requesting a debt validation letter to determine whether or not I owe this debt. As of today i have not received any correspondence from Diversified Consultants Inc at my current mailing address and I am asking you to intervene on my behalf and protect my legal rights in this matter and persuade Diversified Consultants Inc to mail the debt validation to my current address so I can determine if that debt is valid. Diversified Consultants Inc also illegally re-aged the alleged account on my credit reports and I want the account removed ASAP. I have been a lifelong resident of XXXX XXXX, XXXX XXXX, West Virginia and I was informed by Diversified Consultants Inc during that call they sent correspondences to XXXX, XXXX XXXX, West Virginia, a town that I have never lived at nor had a mailing address.My address which i 've had for over five years is as follows. XXXX XXXX, XXXX. XXXX XXXX, XXXX, WV XXXX.
Consumer complaint received 2016-04-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.
Consumer complaint received 2023-05-11
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. (MS)

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are all reporting as closed and profit and loss write off with a balance. They filed profit and loss wrote off with the IRS which means I should be given a 1099 to file with my taxes. They should not be reporting the amount on my credit report thats tax fraud.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. Accounts listed below. 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 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 Violated my rights.