davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I received a letter from ECSI XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a XXXX XXXX XXXX. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by ECSI records the last axctivity was in XXXX then this is 30 years old and should not be reprted on my credit. I called ECSI today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.
Consumer complaint received 2022-01-30
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: EQUIFAX, INC. (CA)

I have placed a formal complaint with the CFPB in regards to XXXXXXXX XXXX. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. XXXX contacted me the next day stating that they complaint would be reviewed. I provided XXXX with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of XXXX XXXX. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted XXXX and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. XXXX does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MO)

XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} LVNV Funding {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MO)

XXXX XXXX {$140.00} CCS Collections {$77.00} CCS Collections {$270.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

Refusal to accept tender of payment. I have attempted on several occassion to fufill any financial obligation with Mercedes Benz FinanciaL. My attempts to tender payment have been met with refusal. I have attached proof of the attempt to tender payment as well as proof received by Mercedes Benz Financial on XX/XX/2023, which was my last attempt. My account is still showing a negative balance as of XX/XX/2023. According to UCC section 3-603 tender of payment-a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

In addition according to Mercedes Benz Financial XXXX document on securities and exchange commission, Article Four in reference to Satisfaction and discharge.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-20
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. (DE)

Iam writing to delete the following information in my file. The items I need deleted are listed in the report. Iam a victim of identity theft due to home robbery and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision, and I also enclosed copies of the Federal Trade Commission 's Identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2023-04-13
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2023. My wife deposited a Tax return check ( we overpayed ) for {$29000.00} into an ATM at Chase Bank, in XXXX, XXXX. I authorized the check and my wife didn't realize she had to sign also. The credit was reversed appropriately and it began a XXXX week runaround including lies by bank representatives. 
I was told the check could not be returned however they would mail us a certificate that could be deposited into my checking account. It never arrived so I returned to the bank, XXXX later to complain. They contacted the ATM department and agreed to mail it overnight. A week went by and no certificate was delivered. I returned and complained again. Another week went by, no certificate. When I returned to the bank, a little upset, They committed to sending it overnight again. When it didn't arrive after XXXX  days, I complained and they said it wasn't sent overnight, that I should wait a week and let them know if we didn't receive it, we did not receive it. XXXX weeks ago, I asked to speak with the Bank, branch manager, he filed an escalation request to get a resolution. We have not heard back from the bank since then. They called us this morning to tell us they didn't have any information. 

I really need help getting these funds into our account. I was going to contact the IRS and ask for another check but it's going to take months and we need the funds for holidays, bills and food. 
It appears there's a breakdown between departments, we're willing to do whatever we need to, to get the funds. The bank has acted very inappropriately. I think they lost whatever they're supposed to send to us. I was able to confirm with XXXX ( Chase told me that's how they mailed to us ). XXXX doesn't have any record of a shipment being sent to me from Chase Bank. My nephew works for XXXX and has access to all data. They never sent the check so I don't know how it got lost. 

I was told that our situation is unique, that XXXX 's of checks are reversed in ATM 's every day. The check or certificate is returned to the customer within XXXX days. For some reason, they can't do this for us and it's been XXXX weeks. Seems very unethical. 
Perhaps you can help my wife and I?
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (FL)

I did not get anything from the collection company. It just showed up on my credit. I tried to call the collection company and was told that they do not give out any information about there clients and that I owed {$500.00} ( it is on my credit 2x ) for an apple watch ( I have never owned anything XXXX ). I have XXXX identity protection and we have called collection company 2x.The first time ( XX/XX/XXXX ) the person that I needed to talk to was not there. The second time ( XX/XX/XXXX ) spoke to XXXX the manager he said ( rudely ) that he was on a call and we would have to call back. I also filed a fraud report with the XXXX FL police department and the FTC. I have tried to contact the company that I am suppose to owed but no phone number is listed and I am unable to speak to them. The collection agency is JJ Marshall & Assoc. XXXX and the company that I was told that I owe is XXXX XXXX XXXX. I can not get an address or number for them. The account was open on XXXX XXXX XXXX and was reported in XXXX. XXXX reported on my credit on XXXX XXXX XXXX.We have called on XX/XX/XXXX and on XX/XX/XXXX and still have not talked to anyone.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (VA)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Absolute Resolutions and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I have attached a debt validation letter demanding competent evidence.
Consumer complaint received 2017-03-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (GA)

I had an existing mortgage with Wells Fargo that I applied for cash out refi. with. I went through the application process providing them with everything they requested of me. However the loan processor XXXX was very rude, disrespectful, and indifferent including requesting proof of insurance on the same loan they already had proof of because of the escrow. I had to literally email her a copy of the same Mortgage Statement that showed they paid the insurance on the property they already have the mortgage and pay the insurance with through my escrow account. Besides that I found out that when I did my did a refi from a 30 year to a 15 year loan with Wells Fargo in XXXX, they never removed the lien from my original 30 year loan and was asking me why I had another lien on the property I was doing the cash out refi on now. I had to inform them that they were the ones to ensure that the title was updated to reflect them being the only lien holder on my property. 
Next issue I provided her with copy of my XXXX showing me as 100 % owner of my company yet he failed to update records showing me as owner requesting that I need a letter stating I am authorized to conduct transaction on my solely owned company, Next in providing them with proof of over {$8000.00} available in my accounts plus assets that valued more that what my loan amount would be she failed to submit my loan to underwriting. Your conduct and behavior was so reprehensible that I sent her an email indicating that I would pay my loan off and go else where for service because she made me feel like they were not going to process my loan and string me along. I placed calls to her supervisor who never returned my calls and I asked the loan officer that originated the loan with me to replace her with someone else to work with on XX/XX/XXXX XXXX because and I would rather pay my loan off and move on that deal with that kind of disrespect. All I knew next is he just went and leave without informing me and she was just mean. She was so rude that I stated it seems they are not interested in my business so all I need to do now is pay off my loan and take my business else where and that is what I did paid my loan off with a wire for {$3400.00} which is the pay off quote I received on XXXX after she started acting the fool and her supervisor never returned my calls and after I asked XXXX the loan officer to provide me with someone else. By the way it seem she can conduct herself that way because her supervisor XXXX has the same last name as her. 
So I wired funds and paid my loan off yesterday XX/XX/XXXX and Now they are telling me it is going to take 60 days to get a Lien Satisfaction letter so that I can have them removed from my insurance policy is unacceptable since my insurance is due on XX/XX/XXXX on my property and they no longer have a right to be on my policy and they are refusing to corporate with me.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (PA)

Received XXXX online Saving account statement from Goldman Sachs Bank USA XXXX PA on XX/XX/XXXX. 

I never opened it and never give permission to anybody about my personal information. 

I called XXXX XX/XX/XXXX XXXX XXXX and talked agent for 15 minutes, possible fraud and got advised call tomorrow morning I called again on XX/XX/XXXX XXXX XXXX  for 49 minutes. 

Bank can not provide me any detail information on my information that someone gave to Bank. 
Refuse to give any fraudulent activity 's that I would like to see. 

Bank refer to their fraud unit and I requested closed account and information, Bank will send close notification, not the detail information. 

Bank should not open this account with fake email address and telephone number. 

Bank should not advertise in website " secure online Bank etc '' Bank do not have strong internal system to prevent " victim 's '' like me. 

I am worrying very much that XXXX XXXXXXXX XXXX fake account use by criminal activity. I could not sleep at all to worry about this.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc. (FL)

Amsher Collection Serv @ XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( the erroneous debt was sold to them by XXXX  ) threatened me and refused to work with me to resolve a debt that was paid in full and erroneously applied to my credit report as a collection. 

When trying to resolve it I was hung up on, place on hold multiple times, aggressive tactics were used to force me to accept a debt that I knew was never valid in the first placed, and then threatened with suit for attempting to seek resolution. On top of that I was lied to ( on a recorded line ) when they told me multiple times that I would get an email that shows me the charges and validates them. 

These are some of the rudest, most inconsiderate, aggressive, and I'd say they are at a bare minimum committing malpractice as a debt collector.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (CA)

My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX