davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-02-16
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. (LA)

My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MO)

I need a mortgage verification letter and/or loan summary letter that indicates my student loan balance is waived and/or at a {$0.00} balance. I am not able to print one from the Nelnet website.
Consumer complaint received 2022-02-15
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. (MN)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX Balance {$4100.00}
Consumer complaint received 2023-07-03
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I bought a pair of XXXX XXXX  from XXXX and ordered a size XXXX on XXXX, XXXX, but XXXX sent me a size XXXX XXXX. I requested a refund from XXXX, but they refused. I then filed a dispute with my Apple Card, but it has continuously been denied. After speaking with an Apple Card agent and explaining the situation, the agent agreed that my reasoning made sense and told me to refile the dispute, saying it would be resolved. However, despite this, the dispute continues to be denied.
Consumer complaint received 2022-02-16
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. (NV)

I finished my loan installment with XXXX XXXX XXXX  in XXXX of XXXX.I never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (IN)

I have around {$23000.00} on my XXXX card which is what my social security XXXX money is sent to every month. My acct need verification to authenticate my acct. I spoke to XXXX and sent in my ID to validate. They sent an email stating they needed more documentation ( ie birth certificate and social security card ) I sent that in. Now they are saying I need to go into the XXXX XXXX. However no offices are open to the public so you must call. Upon calling they told me they dont validate acct for XXXX. I dont know how to get or access my money as I keep getting tan in circles. No one seems to be able to help and I need my XXXX money to live.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC (MA)

I worked for XXXX XXXX from XXXX, I was hurt on the job and went to an XXXX Medical PC XXXX office. This bill is the responsibly of my employer. I have sent numerous calls and faxes to the XXXX XXXX and explaining I am not responsible for this claim.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CA)

On or about XX/XX/2022 I received a call from Credit Corp Solutions , Inc.. Their address on subsequent correspondence is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. XXXX. They informed me that this was regarding an unpaid debt from XXXX in the amount of {$310.00} and they were attempting to collect this from me. I informed them that I had no knowledge of this account and that it was obvious fraud. The email address that they said XXXX provided them was not mine, nor was the street address where XXXX had been sending statements, etc. Credit Corp Solutions said that they would mail me a fraud statement that I needed to fill out and send back. I received the " RESPONSE TO DISPUTE AND VERIFICATION NOTICE '', filled it out stating that I had no knowledge of these charges and that it was obvious fraud and mailed it back on XXXX XXXXXXXX XXXX On XXXX XXXX, XXXX  I received another call from Credit Corp Solutions saying that they received my response but that it was not notarized. I informed them that I should not have to pay a notary for something that was not my debt or my responsibility to pay. I told them if they did their fraud investigation it would clearly show that this was not my account or charges. They refused to accept the statement as sent and referred me to FTC.gov.
Consumer complaint received 2022-02-16
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. (IA)

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-15
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. (NC)

The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Consumer complaint received 2022-02-16
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (CA)

XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

I started a claim with my bank on the XXXX of XXXX about unauthorized transactions for the total amount of XXXX $ from XXXX XXXX. My bank informed me that it was indeed unauthorized and they would return the funds to me. Upon reading my claim I saw the bank had a charge on it that I told them to not include in my claim over the phone, some how it still made it to my claim. That was for my rent I paid to my landlord. So in order to stop my landlord from being back charged I again attempted to remove the XXXX $ transaction from the claim. I am aware it takes 48 hrs to update. I call every day and get lied to and told my claim is done and funds are on the way. But they never came. Call back in after 48hrs, talk to a rep who tells me due to a computer error all 30 unauthorized transactions would be closed instead of the single 1 I chose ... ..any way they say it's OK we will send the credit today and expedite it. Credit still has not hit my account and that was 3 days ago! Today is XXXX Please help me! I feel like My bank ( wells fargo ) is trying to get away with not giving me that XXXX $ back!
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

Debt was disputed with Receivables Performance Management, dispute is attached. Receivables Performance Management received dispute on XX/XX/XXXX, proof attached. 

I have yet to receive any response from Receivables Performance Management. 

Pursuant to XXXX XXXX XXXX, when a debt is disputed all collection efforts must cease. Receivables Performance Management, is still communicating with me indirectly about this disputed debt through the medium of my consumer report Unverified debt to a CRA qualifies as a collection of the debt, ... .. Any subsequent reports to the CRAs violates 1692g ( b ) [ Semper v. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX Appx. XXXX, XXXX ]
Consumer complaint received 2022-02-16
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was offered a modification by TD bank on my line of credit in XX/XX/XXXX. I signed the modification paperwork and sent it in to TD Bank and made the payment of {$560.00} as indicated on the XX/XX/XXXX modification document which was due XX/XX/XXXX. 

Subsequent to that payment, I received another modification document in XX/XX/XXXX. Apparently, TD had a made a mistake on the initial modification documents and had to send me a new set of modification documents. The new modification increased my monthly payment to {$610.00} ( a difference of {$55.00} ) and pushed the modification start date to XX/XX/XXXX. I signed the new modification paperwork and sent it in to TD Bank and made a payment of {$55.00} to make sure I made a full first month payment of {$610.00} to be applied to the account. I was told by that representative that they would apply the difference to my account for the first payment that was due on XX/XX/XXXX per the new modification agreement. 

I received a letter in the mail at the end of XX/XX/XXXX that my loan was late by more than 15 days as they did not receive my XX/XX/XXXX payment. I immediately called the loan servicing department and after 1 hour of phone calls with several transfers I was told that a request would go in to move the {$560.00} to my modification payment. 

On XX/XX/XXXX I received a phone call that my loan was now 31 days past due as TD did not receive my XX/XX/XXXX payment. I explained to the representative that is not true as I did make my XX/XX/XXXX payment. The representative researched the issue and said the " back office '' denied the request to move the {$560.00} payment from the first modification form and that the {$560.00} was applied toward back interest from XXXX. I was shocked and asked for an explanation. How could TD 's error become my problem. I signed all documents and made payments in good faith, yet TD will not comply with my request. This is clearly deceptive tactics as I made payments in good faith towards the modification and yet TD has taken the money and only applied it to back interest. 

I have called several times and can not get this issue resolved. I consulted with an attorney and they advised me to try to reach out to the CFPB first to see if it can resolved before taking this matter to court. I have lost several hours of time away from my job and family to deal with this and its just not fair. 

I have attached copies of the two different modifications that were provided by TD bank that I signed and made payments in good faith.
Consumer complaint received 2022-02-16
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. (MI)

On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue
Consumer complaint received 2022-02-16
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. (GA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX : XXXX & XXXX XX/XX/XXXX.