davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (SC)

Sent Email, documentation, and FTC and letter to South West Recovery and Credit Bureaus advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. Southwest Recovery provided a false statement and reinserted an account on my credit file in which was previously removed. 
The below numbered sentences is what was provided to me by the Credit Reporting Agency.

1. The request to block information was based on a material misrepresentation 2. You have agreed in writing that the information was blocked in error 3.You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 

As such frivolous statements were made, clearly this company is in violation of the law according to 1. FCRA Section 623 XXXX XXXX XXXX XXXX UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). 
2. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) XXXX. FDCPA Section XXXX ( b ), FTC opinion letter XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX XXXX, XXXX XXXX. 
XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT from all three credit bureaus ; XXXX, XXXX, and XXXX. If the information is not immediately deleted I will be forced to exercise my rights in a court of law.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, 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. (CA)

Experian XXXX notified me that there was an inquiry on my report where I DID NOT apply for a loan. 

XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-11
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: ALLY FINANCIAL INC. (TX)

FCRA violations never late : ALLY FINANCIAL XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase Card services and XXXX XXXX offered a promotion for new card users of XXXX XXXX ( airline miles ) if you spent {$5000.00} within the first XXXX months. I opened account in XXXX, 2021 and qualified by spending the required amount by XX/XX/2021. I have not received my bonus points. 
Several calls to Chase ( XXXX ), they connected me with XXXX XXXX times with. an automated message who then hung up ( XXXX ). Chase sys they are not responsible and contact XXXX. I have emailed XXXX at XXXX and have not received a satisfactory response. 
XXXX Points Number # XXXX Chase XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-11
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. (SC)

Experian, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (MO)

Today XX/XX/2022 at XXXX cst. Chime closed my account, that i recieve my paychecks from and took my money. The shut me out of the app on my phone so I could not access anything. I have not talked to anyone, you can only email them. They told me to send a copy of my Id, and receipts of how i make money. I sent my check stub which is directly deposited into that account every XXXX weeks!!!! They haven ; t responded to any emails, or anything. Please close this company down. I read reviews of how the closed people 's accounts after their stimulus money hit. Said they had been closing out people account stating their sending the money to the government, which is a crock of XXXX. They owe me XXXX. I really need my hard earned money!
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXk Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2022-02-11
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. (DE)

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights!

they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX /TransUnion are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I mailed several letters asking TransUnion to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (MN)

I have a personal loan with Wells Fargo that I attempted to pay off on XX/XX/XXXX. I have had around a dozen conversations with customer service since, some lasting upwards of XXXX hours in an attempt to obtain answers and close this loan. At XXXX point I was told that I would be cut a check for around {$2600.00} as they had an over payment, to being told I still owe $ XXXX the next call. 

XXXX : XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was cancelled and reissued ( see entry below ) by the issuer, unbeknownst to me at the time I deposited this check ). 
XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was issued by the company to replace the first check ). I notified the teller that the check cashed on XX/XX/XXXX was to be voided and this one would replace it. 
XXXX. XX/XX/XXXX - I called in to make a payment via my Credit Union checking account XXXX to close the loan. Payment was obtained in the amount of {$26000.00} to XXXX the account. 
XXXX. Multiple calls made over the following weeks where I spent hours reexplaining the situation and asking for clarification. NO XXXX had answers or could give me a good accounting of what was happening with the account and all the payment reversals. 
XXXX. XX/XX/XXXX - I called and spent XXXX hours on the phone with customer support, talked with XXXX different people and was told that the XX/XX/XXXX check in the amount of {$1800.00} had not been applied to my account ( no explanation as to how this happened ) and I owed approximately $ XXXX to close the account. I was told that I needed to contact the issuer of the check to have it reissued. 

Issues : XXXX. The check for {$1800.00} that was deposited on XX/XX/XXXX according to the issuer has been fully deposited ( See attachment ). Wells Fargo wrongly reversed and did not apply this check to my account which then started a chain reaction of issues and extra interest accrued due to not actually closing the account out as it should have been. Wells Fargo has control of this {$1800.00}, it was NOT returned to the issuers account and it was wrongly reversed.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SunTx Capital Partners (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX , a known bad actor, and we have been waiting years for BDTR to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX0/month. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (RI)

I received a bill from XXXX XXXX for a card I never opened. I called and filed a formal complaint. Ive since received three more bills called them again and they had no record of me ever calling the first time. I checked my XXXX XXXX and the account is listed as mine and it made my credit score go down.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

The collection agency XXXX XXXX XXXX flagged my credit as a collection account on XX/XX/XXXX. The company flagged my XXXX, XXXX and XXXX reports for an amount of {$1300.00}. I immediately disputed this collection account because I have NEVER been contacted by this company via mail or phone. I have no knowledge of this company nor this debt they claimed I owed. By them unfairly placing this invalidated debt on my credit, my score dropped XXXX points on all three credit reports. In addition to that majority of my Creditors have reduced my credit limits, making this problem snowball into an even bigger problem. I disputed this collection account with all 3 Credit bureaus onXX/XX/XXXX. At the conclusion of that, XXXX XXXX still had not contacted me or sent me any correspondence to validate this debt. They in fact only updated the date they claimed to open this collection account. They now claimed to have opened this collection account XX/XX/XXXX, which was false. I have proof this account was reported in XXXX of XXXX. According to the CFPB Rule 12CFR1006.30 that took effect XXXX XXXX, it requires all Debt Collection agencies to contact the consumer before providing information about a debt to any Credit bureau. XXXX XXXX has broken the law and ruined my credit. If this matter can not be resolved, I do plan on taking it further to restore the damage they have caused me and my credit.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MI)

I have received multiple conflicting information and threats of repossession after being told that making certain payments would protect me from repossession by the company. 

I received a letter saying I would have to pay {$1100.00} to bring the account current, other information telling me i would owe approximately {$1700.00} to bring the account current and then further told by an employee with ID number XXXX that i would need {$640.00} to bring the account current.
Consumer complaint received 2022-02-11
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. (TN)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Consumer complaint received 2022-02-10
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. (MI)

I SENT A DISPUTE TO XXXX, XXXX, AND EXPERIAN TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  FINAN-6XXXX-Balance {$6500.00} XXXX XXXX XXXX XXXX XXXX-Balance {$540.00} XXXX XXXXXXXX XXXX-Balance {$540.00} XXXX XXXX XXXX-Balance {$870.00} XXXXBalance {$0.00}