davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history 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 Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank is currently reporting TWO 30-day lates on my credit. I have never been late with them. The issue arose from when I was getting a loan around XX/XX/year>. 

The new loan was required me to pay off some accounts through escrow. I wanted to just pay them off myself, but I spoke to Synchrony and to my lender and to escrow and I was informed that escrow needed to pay them off otherwise it would cause too much confusion. I informed everyone involved that I was fine with that, but I did not want to have an issue with my credit. 

Now Synchrony is reporting TWO 30 day lates on my credit. I have contacted them several times over the last 6 months. They keep promising they will get it taken care of, but they never do. This is my last attempt to get this fixed before I get an attorney involved. This is very much a violation of the FCRA and I will not stop until this incorrect information is corrected.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

I received a letter on XX/XX/2022 FROM A COMPANY NAME Credit Control LLC attempting to collect a debt that I do not owe... This is the second time they have attempted this collection. I responded to them on XX/XX/2022 sending them a copy of a XXXX Police Department Police Report that I filed, along with a police case number and the case number card, also I sent them a copy of a FEDERAL TRADE COMMISION IDENTITY THIEF REPORT. I then included a debt validation letter requesting full validation pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information : 1. Debt collector communication disclosure 12CFR S 1006.34 ( C ) ( 1 ) 2.Debt related information ( 12 CFR S 1006.34 ( 2 ) ( i ) ( v ) : 34 ( c ) ( 2 ) ( ix ) 3.Itemzation Related information ( 12 Cfr s 1006.34 ( 2 ) ( vi ) ( viii ) 4. Consumer Response information ( 12 CFR S 1006.34 ( C ) ( 4 ). 
Please be advise they have 30 days to give me full disclosure of all these documents. I am enclosing a copy of the debt collection rule section 12.1 and 12.1.1 Furthermore this alleged debt that they are trying to collect is passed the Florida statue of limitation and is and uncollectable debt per Florida LAW.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my report and saw that XXXX XXXX card with XXXX is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( XXXX XXXX : XXXX SYNCHRONY BANK ) XXXX Balance : {$550.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} PXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2022-07-07
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: United We Collect, Inc. (FL)

In accordance with the fair credit reporting UNITED WE COLLECT INC acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report.

This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo allow a {$6100.00} charge to go through my business account, even though I had gone through the process to let them know this was not my charge. That same day, at least XXXX other charges were attempted on my business debit card, and those did not go through. They claim that because I did not lose my phone, or have my card out of my possession that it was a legitimate claim. The charge was to a XXXX XXXX  in the state of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided Wells Fargo with all my supporting documents that I followed procedure to file a fraud claim and no one will call me back.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (LA)

I am under the Biden save plan. I pay {$0.00} a month. I am not supposed to be accruing interest. However, my loans have accrued THOUSANDS OF DOLLARS IN INTEREST. It shows I owe over $ XXXX now. I am not supposed to be charged any interest. I need MOHELA to take the interest charged OFF my student loan account ASAP. There has been 0 efforts on their end to contact me back or give me information I need. Every time I go on MOHELA, it says they do not have an account with me. But I receive mail from them regularly. So I cant even go on their online portal to fix the issue. I even type in my account # and they said they do not have an account with me. Yet they continue to send me mail.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

was called XX/XX/2021 at XXXX individual claimed he was a debt collector for Wakefield and associates.

when I asked him to be more specific he immediately asked for my SSN. 
i NEVER RECEIVED ANYTHING IN THE MAIL FROM WAKEFIELD AND ASSOCIATES INDICATING WHAT THEY WANT OR ANY SPECIFICS. 

Phone # 'S XXXX ... XXXX heavy foreign accents.
Consumer complaint received 2021-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On XX/XX/2021 an item on my credit report listed as XXXX XXXX XXXX was removed. It has now reappeared on my credit. 

This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. 

This needs to be removed permanently, immediately, and as this is pending legal action.
Consumer complaint received 2020-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing this due to non-compliance with Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I strongly believe that they are in violation of the FCRA, and are outright refusing to uphold the law.
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX of XXXX. In XXXX of XXXX, my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for 13 years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called XXXX and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with a XXXXXXXX XXXX income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

YOU ARE RE-AGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY RE-AGE THIS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMEDIATELY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS XXXX  INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.
Consumer complaint received 2020-03-05
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. (FL)

XXXX XXXX XXXX. 
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PRVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMDETIALY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITING THE SAME VIOLATIONS AS XXXX, AND YOU ARE COUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELENQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUIOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCONT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE REAGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN  VIOLATION OF THE FCRA! 

XXXX XXXX THIS COMPANY HAS RE-AGED MY THIS COLLECTION BY CONTINUING TO UPDATED THE DATE OF LAST ACTIVITY, THERE IS NO ACTIVITY ON THIS ACCOUNT, AND THIS IS FALSE REPORTING. 

YOU HAVE FAILED TO CONDUCT A REASONABLE INVESTIGATION.
Consumer complaint received 2021-06-28
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: U.S. BANCORP (CA)

XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (CO)

I am a victim of identity theft, I set up accounts with all 3 credit bureaus and put a freeze on my credit reports in XX/XX/2020. 
On XXXX I received an email from Experian that my email address had been updated. I could not get a live person on the phone, I could not access my account. The email said to respond if I had not made the change, I did this several times over several days and got no response. I called numerous times and could never get past the automated system. 
On XXXX i sent a letter with the proof of identification Experian asked for on their website ... picture of drivers license, recent utility bill, SS #, date of birth. 
I have received no response at all. 
I still can not access my account. 
I have no way of finding out if my credit report is still frozen. 
My entire credit report has been made available to a criminal. 
It is appalling that a company that has so much control of our financial lives is so incredibly lax about security!
Consumer complaint received 2021-06-28
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: ALLY FINANCIAL INC. (TX)

The account listed : ALLY FINANCIAL Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( Ally Financial Vs XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (NY)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.