davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MO)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I find out about this medical bill after the collection agency reported it to the credit bureau. After discovering this, I immediately call XXXX XXXX XXXX to figure out why they never saw this bill before it went to a debt collector. XXXX XXXX XXXX was sending the medical bill to my old wrong address. I never really had a chance to pay what I owe in the first place and never realized this. 
Once I realize that the statement went to the wrong address, I contact the collections agency by phone and email and ask them to remove any derogatory information from my credit report. 
This is technically a HIPAA violation, sending medical bills to the wrong address. On XX/XX/XXXX, I emailed XXXX XXXX at Transworld Systems Inc. and Transworld Systems Inc XXXX XXXX a professional debt collector regarding credit dispute asking for verification and validation of debt and informing TSI of wrongful address. 
On XX/XX/XXXX, I received the verification and validation of debt from TSI. Since TSI never sent any of this information to the right address in the first place I never received any bills due date. I am writing to request the remove of derogatory reporting to the credit bureaus because TSI send the debt collection to the wrong address and not allowing me to dispute the debt according to the Fair Credit Reporting Act ( FCRA ) in XXXX to protect consumers and regulate how credit information is used and disseminated before reporting credit bureaus and unverifiable information. 
I am requesting that the item be removed immediately. 

Enclosed is a copy of documentation that support my position. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: Global Lending Services LLC (TX)

There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.
Consumer complaint received 2022-01-16
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. (CA)

I am making this complaint of my own accord and do not consent to verification in response to XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXX XXXX XXXX XXXXi : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information XXXX ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

The only 'supportive ' options Navient has offered when one struggles with student loan repayment are options that if you select them, your student loan amount increases and increases. When in coversation with customer agents they offer forebearance as one of the only options ( over and over and over and over again ) but each time you select forebearance your loan increases exponentially so that if you were having trouble paying before, you now REALLY can't afford your payments. When you point this out to the customer service agent they are silent and go right back to the options available. " I can start you on forebearance today and that will bring you current ... '' The problem with student loan interest and management is that the debt increases exponentially due to extremely high interest rates but your income does not increase exponentially at a rate that ever makes the loan payment affordable. So you are in an endless cycle of coming 'from behind " while you sit back and watch the student loan debt amount get bigger and bigger and bigger. It is like being an indentured servant. The demoralization of this trap really can make one feel hopeless and want to give up... then, you live your whole life with a gray cloud over your head.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank Double Cash card charges me interest fee on standard purchases in the amount of {$250.00}, posted on XXXX XXXX, 2022. I called Citibank customer service and explained that this charge was erroneous as the billing closing date for the current statement is XXXX XXXX, 2022 and the due date is XXXX XXXX, 2022. They can not explain how the interest fee was charged but would not reverse the interest fee.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc. (NJ)

This passed week a gentleman called me by the name of XXXX XXXX from XXXX XXXX XXXX. Advising me to settle for an amount of {$340.00} & if I didnt I would be sued for {$1200.00} ( not exact ). 

A decade ago my identity was stolen & a credit card was opened within the same mall I worked in & they mentioned that department store. 

However on XX/XX/XXXX I settled this debt with XXXX XXXX in the XXXX XXXX Superior court, & which I have documentation of. 

I feel as if Im being scammed & I dont know how to go about this.
Consumer complaint received 2022-01-17
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. (FL)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-06-09
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. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (SC)

My car was repossessed in XXXX of 2019, it was once repoed but after XXXX weeks I got it out. Ive never signed any papers of volunteered surrender of the vehicle. Now I have it reported on my credit report.
Consumer complaint received 2022-01-15
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. (NV)

I purchased a car from XXXX on XXXX XXXXXXXX. I was told that {$1000.00} cash deposit down was required in order for credit through XXXX XXXX XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that XXXX XXXX XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( e ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX- through XX/XX/2020. I contacted XXXX XXXX XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. XXXX XXXX has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated 3rd party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme anxiety, sadness and stress, as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from XXXX XXXX.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I received notification on XX/XX/2022 that there had been an account change to my XXXX Credit bureau information. As all 3 of my credit bureau accounts have been locked for over XXXX years, I immediately checked my posted information at XXXX. There was a listing that a debt collection account had be created under my name. The original creditor was listed as XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX. The debt collection agency was listed as Security Credit Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt account XXXX ). 

I have never done any kind of business with XXXX XXXX XXXX which indicates an outstanding account balance in my name in the amount of {$1300.00}. I have mailed correspondence to both entities expressing that I did not apply for any loan service through XXXX XXXX XXXX. Their web site boasts " no " Credit Score Required means that, although no minimum XXXX score or established credit history is necessary to apply, we may check past payment history based on the information you provide in the application ''. As my XXXX XXXX account has been locked for 2 years, I doubt that any effort was made to ascertain credit history. 

I have never been contacted by XXXX XXXX XXXX regarding payment of any kind, or that an account existed in my name. The first I learned of this was through my XXXX Credit Bureau account. 

I have requested via correspondence that the two entities listed above remove my name from their creditor files, and that XXXX be contacted for removal of the Collections Notice on my credit report. I assume that this was fraud committed by someone using my name and information to establish a loan through XXXX XXXX XXXX.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NJ)

ONE MAIN HAS BEEN SENDING ME LATE NOTICES IN THE AMOUNT OF {$10000.00}. THE LATES HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (OH)

The company BB & T has an HSA account that I have tried to close out and they informed me I would have to report to a branch in person because my account was inactive. I explained they dont have a local branch. They would not update any of my information, not address or name change from marriage. I am hoping there is legal protection for me to not have to drive an hour or further away to go to this bank when I have never had an in person visit with them.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I received a notification that a collection account had been added to my credit report. The company is Convergent Outsourcing, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 6 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this Convergent Outsourcing account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Convergent Outsourcing offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Convergent that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-01-17
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. (LA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-17
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. (CA)

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )