davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Subject : Formal Dispute Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX : To Whom It May Concern, I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX on my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my credit reports, I discovered that the same account is being reported inconsistently across the XXXX bureaus, with major discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Account Overview : Account Name : XXXX XXXX XXXX ( Revolving Account ) Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Responsibility : Individual Account Credit Limit : {$500.00} ( Equifax XXXX XXXX ), {$250.00} ( XXXX ) Discrepancies Between Credit Bureaus : XXXX : Payment Status : Account paid satisfactorily with no late payments reported. 
Closed Date : XX/XX/XXXX. 
XXXX XXXX : {$290.00}. 
Account Details : No derogatory events reported. 
Equifax and XXXX : Late Payment Reporting After Account Closure : Equifax reports the following late payments : XXXX days late in XX/XX/XXXX XXXX days late inXX/XX/XXXX XXXX  days late in XX/XX/XXXX XXXX reports a XXXX late payment in XX/XX/XXXX. 
These late payments are erroneous because they occurred after the account was closed in XX/XX/XXXX, which is confirmed by XXXX. No closed account should have late payments, and this is a violation of FCRA accuracy requirements. 
Incorrect Last Activity Reporting : XXXX reports the last activity as XX/XX/XXXX, more than a year after the account was closed, which is also inaccurate. 
Requested Resolution : I request the following actions be taken : Immediate removal of all derogatory marks associated with this account from my credit reports with Equifax and XXXX, as these late payment reports are false. 
Correction of the late payment history on Equifax and XXXX to reflect the accurate reporting provided by XXXX, which shows no delinquencies and that the account was paid satisfactorily. 
Verification of the accounts details across all bureaus to ensure consistency, particularly with the accounts closure date, payment status, and last activity. 
This dispute is being submitted in accordance with the FCRA, and I expect these issues to be resolved within the XXXX investigation period mandated by law. If these errors are not corrected or verified, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies. 

I have enclosed copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the discrepancies. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation once the corrections have been made.
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I received a credit notification that Eastern Account System had an order of collection for {$XXXX}. I never received an email or phone call. I called Eastern Account for more information and they hung up on me. I then went through XXXX, and figured at the collection was for a XXXX, though I had already paid a bill and returned all the necessary equipment to XXXX. I disputed the collection twice and was met with little to know information of why I was still being charged an additional {$XXXX}. XXXX also has not explained the additional debt. I need help getting specific information on what I am being charged for and why it hasn't be removed if all equipment and services have been completed and returned.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

hello, my name is XXXX XXXX. i live in XXXX. i am a creditor of XXXX, the bankrupt exchange. XXXX sent me an e-mail months ago. in the content of the e-mail, they told me to open an account on coinbase and verify my account in order to get my remaining balance in XXXX. so i opened an account on coinbase and started the identity verification process. but coinbase did not approve my identity. I sent them whatever they asked. I answered their questions. why did you not approve mine while the accounts of other XXXX users were approved? i will only get XXXX dollars of XXXX and eth coins from XXXX. nothing else. please remove the restriction on my account and XXXX can deposit my balance. i have been trying for months please help.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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 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 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I have tried to get the company to give me verification or verify the debt no response destroy my credit report and ruining my life! I'm going to take legal action I have mupitle accounts report on my credit one for XXXX dollars I have been told to XXXX off refuse to follow the fcra super bad company I need this accounts removed at once have been a victim of id theft
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

This is my third complaint submitted regarding the same issue. XXXX XXXX Nelnet responded with an invoice number which is not sufficient to track a payment. XXXX is asking for a copy of a check or what whatever was used to make the payment on my behalf. No proof of payment has been provided by Nelnet. I have been dealing with this for almost a year and still no resolution
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 


.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-29
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-22
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (GA)

Yesterday morning about XXXXXXXX XXXX I received a charge to a company called XXXX XXXX for {$1.00}. This was an unauthorized charge so I went ahead and had the company cancel my card and go through the motions of getting me everything set back up again. An hour later a {$95.00} charge was applied to my account and then 2 hours later another {$43.00} charge was applied to my account. After I've canceled the card. I put in a complaint, they said because I had authorized XXXX XXXX  once for a {$10.00} charge, they don't have to pay me back because it's on XXXX XXXX. Whatever XXXX XXXX  account was used to purchase this I did not authorize. I have both of the XXXX XXXX  accounts in my hand that I did authorize with this card both of them have only done a {$10.00} charge.. then they were disconnected. I had to pull my money off the card to protect it what was left. I need my {$140.00} back
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

XXXXXXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Collection account. {$4200.00} past due as of XX/XX/XXXXXXXX  Status Updated XXXX XXXX  Balance {$4200.00} Balance Updated XX/XX/XXXXXXXX  Recent Payment - Monthly Payment - Original Balance {$3000.00} Highest Balance - Terms 1 Months " This 3rd COLLECTIONS agency has been claiming that I owe a debt, despite me repeatedly telling them that I do not have any account with them. They have been continuously harassing my credit since XXXX. I just had three separate phone calls with them where they asked for my personal information to re-contract, but I made it clear that I have no intention of contracting with them. They have refused to remove the debt from my record, so I have already reached out to XXXX to report their false information. ''
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
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. (TN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (OH)

I have a credit card through PNC Bank. Since XX/XX/2024 they have charged me with 3 late fees when in fact I make my monthly payment before the due date of the XXXX of every month. They give me the excuse that it takes long to process my payments, therefore the late fees. To date, only one late fee has been refunded. I have called them 3 times over the last week about the XX/XX/2024 late fee, and I am told something different each time. The late fee will not come off. Please help me.
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Westlake Portfolio Management Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Westlake Portfolio Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount
you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Ive been paying more than the minimum amount on my student loans, managed by NelNet. I noticed that I was paying more than what the total interest is, but my total interest each month was over $ XXXX and increasing. I called them and asked them to apply my full payment ( {$950.00} ) to eliminate the interest and then the rest go towards principal. They told me no. They had some sort of methodology that split a percentage of my payment to the principal and a percentage to the interest. While I dont mind paying down more principal than interest, I should be able to have my payment fully cover the interest and then go to principal. This makes it easier for me to understand how much interest XXXX accruing per month. 

Consumer ( XXXX )- XXXX XXXX XXXX XXXX Provider - Nelnet Date of Contact - XX/XX/year>