davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.
Consumer complaint received 2024-09-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (UT)

Someone canceled my card and this was on XXXX and has been going on since then I have not been paid for two months I'm about ready to lose everything because I can't get direct express to talk and let me know and when I did talk to them they wanted me toa send the pic of my id and know they want my social security card and birthcertificate and I've done I've done everything they've asked me to and nothing has been resolved I
Consumer complaint received 2019-07-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Collection Systems, Inc. (CO)

According to my XXXX XXXX Report, National Credit Managed placed a falsely alleged debt of {$2500.00} on my credit report. I continue to get harassing phone calls daily from fake phone numbers. I can only assume it is National Credit Management. They are in blatant violation of the Fair Debt Collection Practices Act. According to the FDCPA I have no legal duty to communicate with, or work with, in any way, a third party debt collector. I REFUSE to work with National Credit Management and DEMAND they cease and desist all future communication with me. This falsely alleged debt is originally from the University XXXX XXXX  XXXX. I was a student at the University XXXX XXXX XXXX from XXXX to XXXX. I did well in my first two years and nearly completed my XXXX. Unfortunately, I signed up for a XXXX XXXX XXXX position. I did not know the XXXX to whom I was assigned, nor did I know or understand the subject matter. The XXXX complained about my alleged poor performance to the Department. I was not notified so that I could respond. I learned of the complaint through a private email from my mentor who stated he had personally recommended me for the position, and that due to the false allegations of poor performance from the XXXX, I had negatively affected his reputation. I suffer from legally defined XXXX under the XXXX, these are XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. I spiraled into XXXX, and dropped all of my on campus courses. I tried to take online courses but the university offered no online courses relevant to the completion of my XXXX. I tried therapy through the Student Counseling Center but was unable to return to regular course work. I dropped all of my courses for MEDICAL REASONS, therefore any falsely alleged tuition SHOULD HAVE BEEN REFUNDED. I took my complaint all the way to the Dean of the XXXX XXXX as well as to the XXXX XXXX office. I was ASSURED, that I would NOT BE CHARGED, yet the idiots at the Bursar 's Office sent this bill to collections anyway with massively accrued interest doubling the original falsely alleged amount. If this is not removed from my credit reports immediately, I will file a complaint with every state, municipal and federal anti-discrimination office. I will be forced to take legal action. Going to the University XXXX XXXX  XXXX, and even going to college  at all, was the worst mistake I've ever made in my life. I hate school, I hate college, and I hat XXXX   most of all.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

I been contacting goin on two month now from this date this company letting them know thats they are reporting a account on my credit report that I have never open or have no idea of I try everything is possible but they will not remove this account
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and found out a XXXX XXXX  XXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Consumer complaint received 2019-07-23
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # UNIT XXXX XXXX, NC XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX 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. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Consumer complaint received 2024-09-05
Product: Credit reporting 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 keep receiving an unknown person 's student loan correspondence. The postal service was " unable to forward ''. I called the loan servicer and they declared that without the account holder 's consent they could not remove my address from the account. Again, I have no contact with and do not know this person, and they have never resided at my address.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im reaching out for your help regarding an incorrect account thats been reported on my credit report. This error has harmed my reputation, and I need your assistance to fix it. The way my credit report has been handled has put me in a challenging situation, and the inaccurate information has severely damaged my reputation. Please correct these issues so I can maintain a stable life with my family.
Consumer complaint received 2019-07-22
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. (NC)

I submitted to Experian a dispute about my XXXX/XXXX/XXXX  account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, Experian did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel Experian to delete the XXXX/XXXX/XXXX account for inaccuracy as highlighted in my dispute letter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I never did business with these Companies RE : You violated the United States Code Law 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave you and written consent to report anything on my consumer report. As a consumer by law these letters must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

This was a payday loan was defaulted on. A payment plan was reconciled over the phone with a Rep., not certain who that person worked for...

I log-in, make a payment, simultaneously they send through an ACH payment through my XXXX account. This company needs to audited or something. They tell consumers that no direct payments can be refunded, and gave me their word that the ACH payment will be refunded after 3-5 days. That did not happen.

Instead, they tell me that the dates of the pre-payment have been met and they can't refund anything now. Then when I contact a Supervisor about the matter, this person doesn't even work for the company, but with a website called XXXX XXXX  And I didn't get any copy of the pre-payment plan, apparently it was negotiated back in XXXX of this year. We are now arguing the matter in the month of XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting 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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (PA)

I have attempted to reach out to XXXX XXXX & XXXX XXXX numerous times about the account that has been reporting to my credit report. I also have sent in plenty of disputes regarding fees, regarding, payments, and credit reporting that I have yet to get resolved, I also attempted to reach out to this company via phone XX/XX/2022 with no type of resolution/explanation of such fees. It is my understanding that I am entitled to a signed contract of such account, I want a breakdown of fees and dates. i was given a computerized response status as updated or verified when no way this is correct.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXXXXXX XXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies. 

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXXXXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXX XXXX. They have refused to take this action.
Consumer complaint received 2019-07-19
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. (OK)

On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, Transunion, and XXXX certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Issue : My mortgage payments are not being reported to the Credit Bureaus XX/XX/2019 - Sent a letter to my bank, Webster Bank, informing from that my mortgage payments were not reflected on my Credit Bureau files and requesting that they correct the situation. 

XX/XX/2019 - Received a letter from Webster Bank stating that since my obligation to Webster Bank was never reaffirmed following my bankruptcy filing Webster is not obligated to report my payments and the Credit Bureaus may suppress my payment history or no longer show the mortgage on the credit report. I checked with my bankruptcy attorney and he confirmed that the judge approving my bankruptcy would have never allowed my reaffirmation As stated in this letter from XXXX, my payments have been on time. 

XX/XX/XXXX, XXXX I sent letters to each of the XXXX major credit bureaus enclosing my payment history from Webster Bank requesting this payment history be reflected on my credit files.. 

XX/XX/XXXX, XXXX Upon receiving responses from each of the credit bureaus, I sent Webster Bank a letter showing them the response from each of the credit bureaus confirming that they are not receiving my payment history therefore not reporting it. 

XX/XX/XXXX, XXXX Webster Bank responded that they are not obligated to report my payment history and then states that the loan gets suppressed by the credit bureaus and no longer will show on my credit report
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Already settled issues with Rash Curtis over XXXX XXXX XXXX XXXX Ca it was found that the bill was paid since I have medical insurance all I owed was a deductible which was {$100.00} and I paid that to Rash Curtis and associates now they have filled again for the same issue and have damaged my credit over the same issues had to resolve issue due to myself buying a home time was XX/XX/2019 when it was resolved the first time spokes with a supervisor name XXXX and an employee named XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (TX)

At XXXX on XX/XX/2019 I received a phone call from XXXX. It is from Medical Data Systems. It was a recorded message saying this is an important message for XXXX XXXX, if you are not XXXX XXXX please hang up, if you are XXXX XXXX please continue to listen to this message. I hung up. I am XXXX XXXX but I will not listen to a recorded message which is robo calling and totally against debt collection practices. If would have been a live person I would have talked to them. They do not identify themselves as debt collectors.
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was sued by XXXX and XXXX Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX XXXX credit card. Then Portfolio Recovery bought the debt and hired XXXX and XXXX to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capitol One  has a charge on my (3) Credit Report for $XXXX for a Credit Card debt.  I never had a Capitol One Credit Card.  
In XX/XX/XXXX this account was open... In XX/XX/XXXX it was removed.
In XX/XX/XXXX it again report on my credit report as me opening it.
Then it was reported to XX/XX/XXXX it was reported on my credit reports.

The reference number under
XXXX XXXX XXXX is XXXX  
Balance $XXXX

Original Creditor: Not Available

COLLECTIONS

XXXX********** (XXXX XXXX XXXX XXXX)
Act. #
XX/XX/XXXX
Opened
XX/XX/XXXX
Reported
Closed
Condition