davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (CT)

On XXXX XXXX 2017 XXXX XXXX account number XXXX listed a 60 day late that was previously disputed and deleted. Trans Union placed the notation back on the report on XXXX XXXX 2017. 


I had disputed this with Trans Union and they reinserted it. This constitutes fraud on their part for not maintaining reasonable procedures in cases of disputed accuracy and violation of the fair credit reporting act.
Consumer complaint received 2020-08-22
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. (OH)

The following inquiries were listed on my report that I did not authorize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and Experian continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details Experian responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

Last Fall, I became aware of a company claiming I owe money on a telephone bill that is not mine. They were making derogatory reports to credit agencies. On XX/XX/XXXX, I challenged that company - XXXX XXXX XXXX - to prove this alleged debt was mine according to to the Fair Debt Collection Practices Act, something which I knew they could not do, and once they could not, that they would have to desist their activities. They sent me an invoice, pretending that this constituted proof of a debt. On XX/XX/XXXX, I responded with a Cease and Desist, with which XXXX XXXX XXXX failed to comply, so I filed a first complaint with FCPB where I prevailed. I forwarded all of this information to the alleged debt originator, XXXX, informing them that if it truly was them who was alleging this debt, they or their agents must comply with the law. The issue seemed successfully resolved. 

In XXXX of XXXX, I was contacted by Convergent Outsourcing, Inc. alleging a debt with XXXX. On XX/XX/XXXX I replied with an immediate Cease and Desist, informing them of the past events and that they and their alleged originator were still bound by the prior Cease and Desist and the findings of the FCPB. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. claiming that they had " resolved my dispute and confirmed my debt '', once again submitting the unacceptable and illegal use of a simple invoice in lieu of the legally required signed document or court order - which of course does not exist - even though they had been served a Cease and Desist and not a dispute, and had already been informed that I was fully aware that an invoice was not proof. Moreover, any legal and legitimate collection agency would know that an invoice does not constitute proof of debt under the Fair Debt Collection Practices Act.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (AZ)

Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have made contact with XXXX, XXXX and Experian for the past four months in 30-35 days via certified mail and phone calls.
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX, USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and Experian credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, XXXX, and Experian verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
Consumer complaint received 2024-09-09
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: NEU Money, Inc. (TX)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for NEU Money. I have attached a copy of the identity theft police report to this complaint.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have made contact with Equifax, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. 
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX,  USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the Equifax, XXXX and XXXX credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, Equifax, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (OH)

I believe Chase received my credit report with out my consent on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of authorization of these credit request by CHASE and have found this will reviewing my report to buy a home
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (GA)

I am a XXXX year old XXXX recipient through the US Treasury supported XXXX XXXX Card.  In XX/XX/2017, my debit card was stolen and the fraudsters stole over {$1200.00} from my much needed balance in a matter of two days. Their spendings were clearly on vendors and items that Ive never used before. Due to my old age, I have had my son serve as my fiduciary and has a legal power of attorney to handle my affairs for years now. He called and cancelled the card through XXXX XXXX within two days of the card being lost. However, when we filed the claim with XXXX XXXX, they rejected the claim because my son, who serves as my fiduciary and legal Power of Attorney, had the card ( along with all my other cards ) in his possession last when it was lost. XXXX XXXX says in their denial letter that they are denying the claim in accordance to Federal Regulation E which governs Electronic Funds Transfers : If a consumer furnishes an access access device and grants authority to make transfers to another, such as a family member or co-worker, who exceeds authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that the transfers by that person is no longer authorized. 
They are insinuating that my son is the one who spent the money but he and I have filed a police report ( to exonerates him ) and a simple look at the transaction will show the bank the transaction are done with vendors that we have never used and did not require a PIN. It is shameful for a company ( XXXX XXXX ) that the Treasury department refers its recipients to will to this low to prevent a XXXX year old from accessing this much needed cash. Every other bank weve filed a claim with has always simply refunded the funds while conducting their investigation. The company that should be more friendly to their aged and helpless customers is the one who declines the claims. This money has been outstanding for nearly a year and we dont know where else to turn to. Ive called repeatedly to their fraud department at the number provided on the Denial letter and they havent returned not one phone call. Please please please help us retrieve my much needed money.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018
Consumer complaint received 2019-05-21
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 {$1700.00} XXXX XXXX {$680.00} XXXX XXXX {$81.00} I tried to dispute these items off my Equifax and credit report because I not sign a consent or give permission to pull my credit report. It is also a HIPPA Violation to put any medical information on their credit report. No action was taken by Equifax or any of these companies.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Credit & Finance, Inc. (TX)

Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX This company was asked to stop calling me at work on several occasions. This started in XX/XX/2018. I have repeatedly told the young lady, XXXX, that my work does not allow me to get personal phone calls. Not only does she not listen she continually calls back and harasses me at work. 
XXXX is the number she continually calls me from. Her extension is XXXX
Consumer complaint received 2018-07-21
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: WELLS FARGO & COMPANY (SC)

Wells Fargo Mortgage continues to report 120 day late payments, 2 years after forclosure was completed and the property was sold. They reported 120 days late in XX/XX/XXXX and again in XX/XX/XXXX. The property was sold in XX/XX/XXXX and was protected under CHXXXX bankruptcy protection from XX/XX/XXXX through XX/XX/XXXX. I have since contacted Wells Fargo Mortgage disputing these reports. I have also disputed these with XXXX and XXXX with the typical response of all information is correct and accurate. In XX/XX/XXXX a certified letter was sent to Wells Fargo challenging the formentioned reporting history. On XX/XX/XXXX I recieved a letter from Wells Fargo dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that they are just the servicer of the acount and the acount is held by XXXX XXXX XXXX. This response does not address why Wells Fargo Mortgage is still reporting late payments.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

We took out parent plus loans for our son the college just kept adding to our plus loans and not to my sons loans. 
We have been struggling since 2005 with major health issues at this point my wife is on XXXX her loans are on hold. 
The only help Navient and Salliemae gave was deferred payments and forbearance every year a struggle to get some help only option was forbearance. 
We are now expected to pay more than our mortgage payment on these loans which would make us homeless. 
We have been sending a {$100.00} good faith payment all we can manage at this point. 
We are not refusing to pay but stop charging interest on top of interest and help us so at least a payment makes a difference we will never be financially sound as we grow older and retirement and old age faces us. 
No amount of talking hours on phone even to ombudsman can get any compassion in the meantime a XXXX XXXX loan is now almost 75000 $ something has to be done. 
As the person at Navient said the compounded interest pays my salary therefore no incentive to be of any help.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not used my Capital One credit card in 2 or 3 years. I had not been receiving statements from them. My credit score dropped significantly. I discovered it is because Capital One accepted a fraudulent charge on my card, never notified me, and since I only discovered the fraud about 3 months after it occurred, Capital One has placed negative information on my credit report. I called Capital One and they removed the charge. They act like I should be happy with that. I'M NOT HAPPY. Would you be happy if your credit score dropped 50 points due to the fact that Capital One accepted a fraudulent charge on your credit card, never notified you, and treated you as if you are XXXX because you wanted them to correct their mistake? I WANT CAPITAL ONE TO REMOVE THE NEGATIVE FALSE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY.