davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Southern Management Systems To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX, a collection agency, regarding their inaccurate reporting of a collection entry on my credit report associated with my tenancy at XXXX XXXX. 

Details of the complaint are as follows : 1. Inaccurate Reporting : The collection entry inaccurately references a judgment from XXXX XXXX. I, XXXX XXXX, assert that I extended credit pursuant to 15 USC 1602l, initiating the consumer credit transaction as reflected in the lease agreement with XXXX XXXX. I am the creditor in this arrangement, and the reporting of a collection and judgment is both misleading and erroneous. 

2. Violation of Fair Credit Reporting Act ( FCRA ) : Southern Management Systems ' actions may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1602l. The inaccuracies in reporting have the potential to harm my creditworthiness and financial reputation. 

3. Lack of Debt Validation : Despite my request for validation of the debt, XXXX XXXX XXXX has not provided sufficient evidence, including proof of the right to collect, documentation of a signed contract, or evidence of the chain of ownership of the debt. 

4. Request for Original Wet-Inked Signature : In the debt validation process, I am explicitly requesting Southern Management Systems to provide the original signed contracts containing my wet-inked signature. This includes any agreements, leases, or contracts related to the alleged debt. 

5. Liability Under 15 USC 1611 : I assert that Southern Management Systems may be liable under 15 USC 1611 for the violation of the FCRA. Any liability arising from inaccurate reporting and FCRA violations may result in legal consequences. 

Definitions : - Credit ( 15 USC 1602 ) : The right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.

- Creditor ( 15 USC 1602 ( f ) ) : Any person who regularly extends, renews, or continues credit.

- Consumer ( 15 USC 1602 ( n ) ) : A natural person, as opposed to a legal entity.

I previously sent a dispute letter to Southern Management Systems requesting validation of the debt and correction of the inaccuracies. However, to date, I have not received a satisfactory response. 

I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions to rectify the inaccurate reporting and potential FCRA violations by Southern Management Systems.

Enclosed with this complaint, please find a copy of the original dispute letter sent to Southern Management Systems. 

Thank you for your diligent attention to this matter. I trust that the Consumer Financial Protection Bureau will ensure a comprehensive and impartial review of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX  Has violated my rights.

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. 

The experience was so distressing that I had to take anxiety medication afterward. I even reached out to my white colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. 

I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. 

I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as TD Bank. I had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly. I was informed that this bank address is wells fargo bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to XXXX and XXXX to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called XXXX XX/XX/2023 I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

In re : XXXX XXXX XXXX reports showing adverse activity with XXXX XXXX, a private student loan lender. 

XXXX accounts : XXXX. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

While applying for new loans, I found out that two of my student loans were in default during the time that I was enrolled in school.

I have contacted the Heartland ECSI 4 different times, and every time, I receive new and contradictory information about the status of my loan

s in default. Phone Call 1 : I was told that the only way to get my loans out of default was to get on a payment plan and show 6 months of payments. Phone Call 2 : I asked for information about in school deferment that was submitted and the rep. t
old me that I did not submit those forms and that I needed to contact ECSI directly when this was never the process. Also, the loan that I was attending during the time of deferment was serviced by ECSI. I asked to speak to a supervisor, and the rep told me that I needed to hang up to speak with another rep. because a supervisor wasn't available. I also asked this rep to walk me through the wesbite where I can find signed documents that shows policies, and they do not exist on their website even though they are my loan servicer. I was directed to contact my former school. He also informed me that I was supposed to contact ESCI directly, even though the XXXX XXXX clearly states that no information will be received from the student. But my school did it on my behalf. 

Phone Call XXXX : I spoke with another rep who gave me helpful information that if the school can prove that they submitted an in-school deferment on my behalf, they could get my loans out of default. Even though he believed that did not happen because it was not reflected in the system. 

I called my school, and they said they submitted it through the XXXX XXXX. 

Phone Call XXXX : I spoke to another person, and she was most helpful but was sharing contradictory information. She first said that she could not see that my former school submitted anything, but she checked the back office and said that they saw it. However, it couldn't have been applied because I was already under a bankruptcy deferment. I asked how would a student know that. She said it would be on the website and that I would have received a notification via email about it. I asked her to walk me through the website, and after about XXXX minutes, she said that information was ONLY available to the back office team. But ensured me that they did their part. I told her that was untrue. If my school submitted an in-school deferment, and when the bankruptcy deferment expired, then the school deferment could have been applied. She informed me that I should have reached out to ECSI and asked for one that was already submitted by the school.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was contacted by text message ; the sender came through as XXXX. No number was attached with contact. I thought nothing of it because I was expecting a package from XXXX that week, but tor some reason that message had a link with it, and it wanted me to XXXX  the link because my package had gotten lost and wanted me to update my information. Once I clicked the link, I knew it was a scam, but I didn't think my personal information was leaked. couple days later I gotten alert on my phone saying that I should change all my passwords due to security alert. I had a lot of important itlformation on my phone like, my ID, passport social security number. 
within these past XXXX years as I now started understanding credit and looking at my credit report, I noticed plenty of unauthorized hard inquires on my report and collection accounts that are not mine.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (KY)

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, Equifax, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CT)

Well, I pay during COVID-19. My car was repossessed like three times and I paid each time like {$1000.00} to get it back because they actually told me there is a COVID-19 forgiving program that because I wasnt working that I will have three months that I wouldnt have to XXXX and then out of nowhere to ask me for three months worth of payment and I always been behind. Ill try to keep up, but then they said I old them a lot of money and they closed out my case.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc. (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my FactorTrust consumer credit report sent to me via mail.
Consumer complaint received 2023-04-20
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)

There are multiple supposed medical debt collectors reporting on my credit report to all three major credit bureaus they are incorrect. I have sent him letters, and nothing has been done. XXXX XXXX, Experian, and XXXX. It is also an accurate due to the fact that I had insurance at the supposed date of all these allegations.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (PA)

in accordance with the Fair Credit Reporting Act this XXXXXXXX XXXX XXXX XXXX XXXX USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan so late for any purpose
Consumer complaint received 2020-04-03
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) JXXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXXXXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX  {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.