davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a dispute to both XXXX, TransUnion and XXXX. Several times in regards to a debt collector called lvnv that put 2 accounts on my credit. The most recent dispute was on XX/XX/year>. The Issue is ( 1 XXXX XXXX we're not allowed to report without notification according to regulation 12 ofr. Bto the credit bureaus. I requested that this be investigated and to provide documentation of notification. XXXX contacted me on XX/XX/year> with a letter that an attorney reported identity which was not all true. I was not afforded the opportunity to have the debt validated or verified. The other issue was XXXX reported an amount that was different than the original creditor. XXXX and TransUnion reported the creditor reported verified. But XXXX we're not only to chage their account from debt collector, to debt buyer and now shows on my report as a factory account. They also changed the debt from one month to another. Again XXXX and TransUnion allowed without notification to the debtor and with no explanation as to why they changed date of debt without documentation to me. Or to the credit bureaus. XXXX deleted. But on all XXXX of my credit reports, there are. inconsistencies between the original creditor and XXXX including the original creditor charge off amount was different than what XXXX said was owed. There are no payments made on the orginal creditors report, that should have also been reported by the debt collector. Dates are missing, dates are incorrect, but XXXX and TransUnion continue to report.
Consumer complaint received 2024-10-12
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. (OH)

I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for.

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information.

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Serv Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX   XXXX   XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (AL)

I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
Consumer complaint received 2017-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my report.
Consumer complaint received 2017-07-19
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. (TX)

Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Account # XXXX XXXX XXXX  Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear XXXX XXXX, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision.

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau XXXX : Experian, XXXX, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit.

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have an account with Coinbase, a  XXXX   XXXX -based   XXXX   trading platform. On  XXXX   XXXX  , 2017, I   sold {$790.00} of  XXXX  from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of toda y (   XXXX   XXXX ,  2017 ), I h ave still not received payment.   I have tried contacting Coinbase via email and telephone multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions.   I need the money and  Coinbase is  profiting from the float. Please help!   Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. This account is inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of this. erroneous account, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my XXXX XXXX and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
The unjust account in question : XXXX  : XXXX : {$18000.00}
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Titan Receivables, Inc. (CA)

I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of XXXX. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over XXXX dollars, now I have bills stating {$3500.00} and {$4000.00} as if this is collecting interest on my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C.

1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2017-07-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bliksum, LLC (CA)

On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

XXXX  2017  : received a bunch of Voicemails during business hours from  XXXX . Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX / 17  : my attorney sent a certified letter to  XXXX  to verify debt and gave them 30 days to respond.      XXXX /2017 :  XXXX  has not contacted my attorney with proof of debt.      XXXX /2017 : Debt in collections appeared on credit report. Attorney never received proof of debt.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc. (PA)

Keep getting a phone call from   XXXX   XXXX    ( 3rd Party )   XXXX   XXXX   XXXX  file number, requesting payment for  XXXX  office balance in collections.     I am not disputing the charge but would rather pay the  XXXX  office directl y (   XXXX    XXXX     XXXX   )  due due to unprofessionalism by  XXXX   XXXX . I constantly get call from them where I am being harassed, I get left messages intimidation such us, " serious issue involving yourself '' as if it 's life of death.     A t one time I was blind transfer red to someone else whom I was not comfortable with.     Also, never was known of a balance from  XXXX   XXXX  and that they would send to collections had I not paid, this was never disclosed to me, so I should be able to pay them directly as they never notified me that they would send to collections.     Just recently spoke to  XXXX   XXXX   ( not  sure of spelling ) and again was very rude, threatening to sue, telling me I should pay now when I explained I 'd rather pay the office directly, telling me, " get it out '' " what 's the number '' repeatably in regards to my credit card.     Again, I do not mind paying but do not want to be involved with  XXXX   XXXX , they show no courtesy to the customer.     Please help
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Today, I found out that my credit report has unauthorized inquiries, and I don't understand why. My routine check revealed discrepancies that hadn't been there before. I refreshed my browser thinking it might be a technical error, but nothing changedthe unauthorized inquiries stayed. I need this issue resolved urgently, and I ask that the documents Ive sent be reviewed carefully so I no longer have to deal with this.