davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC (VA)

We purchased a solar system for our home XXXX of 2021 from XXXX XXXX XXXX XXXX XXXX Upon installation we had problems, the system never worked. I made phone calls and inquired and they assured me everything should be fine and it may take a few months to see a difference. I waited patiently for about three months and still nothing, I tried calling again and they said they were waiting on approval to operate which took another three of four months. Approval was granted and still my bill never decreased. I called again inquiring and once again they told me everything was working fine. This charade continued happening until we received a letter stating the company filed for XXXX XXXX XXXX. We have never had a working system and have been paying on this system for over a year without and product that actually works. I have tried contacting XXXX  and we are on a XXXX people waiting list. I have contacted contractors and no one will touch our system, so I am perplexed and do not know what steps to take. We are still making payments as we do not want our credit to plunge. We have no problem paying the payment, but would super like to have a functional system. 
our loan is for XXXX dollars and we were supposed to get XXXX, XXXX of that back which never happened with taxes.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Creditor Services is the debt collector for the doctors at XXXX XXXX in XXXX XXXX. My insurance, XXXX XXXX, paid my medical bills in XXXX and XXXX and then took back the payments. I kept disputing the charges but to no avail. XXXX turned my account over to Fidelity for collection. Fidelity added alot of interest to the original balance and then Fidelity reported the XXXX account as XXXX derogatory accounts on my credit report- XXXX for each visit or procedure I got in XXXX or XXXX that XXXX XXXX took back their payment for. Even visits to the same doctor were reported as separate accounts. I have complained in writing and in person to XXXX XXXX and to Fidelity but they wo n't do anything about it. They said if I paid it, they would remove it but instead it is still there, XXXX derogatory accounts but the balance is noted as XXXX on each visit or procedure that is paid. This has harmed my life for years now. My credit score is horrible. This ca n't be legal. It would be like XXXX creating multiple derogatory accounts for each purchase made with the same XXXX credit card that became delinquent. Please help!
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

I was notified that I owe a debt to some company. I have not recieved verification of the debt and i have no clue what the debt is for. i dont even have the name of the orginal creditor. or the charges and amounts.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (VA)

I am currently an XXXX XXXX XXXX. Currently reside in XXXX. My personal information such as my social security and state ID were stolen and currently being used to open fraudulent accounts. My social security is being used by an illegal immigrant. Per my request please remove all accounts being reported as late or delinquent on all my credit beaure. All account are listed on the identity report. As this is defamation and of my character and livelihood. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-29
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: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC Last reported XX/XX/2023 {$670.00} Open balance You are in Direct Violation of The Fair Reporting Act ( LVNV FUNDING LLC ) has violated several of my rights. 
15 U.S.C 1681 section 602A. Clearly states that i have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.A 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AK)

Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at 18-20 % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the sleazy account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.
Consumer complaint received 2023-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Common Wealth Mortgage Services (UT)

In XXXX of 2022, we asked our servicer to help us with the XXXX XXXX XXXX XXXX forbearance. We were falling short on money due to covid, and lack of work. The forbearance was set up, and we requested documentation on how the forbearance would work, how it would affect us : such as repayment and any changes to our mortgage. They promised time and time again that they would email and reach out to us with this information. At least ( 5 ) separate occasions we called and got the same response : that they would email the info. No written documentation was ever sent, pertaining to the future. We were only given verbal reassurances that all the debt would be added to the end of our loan. We were fine with this, as we have plenty of time to save being new home owners. 
Now : we are back on track to paying our mortgage regularly, and we ask if we could have our PMI insurance removed as we have met our 25 % equity requirement. We were told to pay a fee, to have the house appraised ; so, we did. An individual came and took pictures, then told us at the end that he was not doing an official appraisal. The next thing we know, we received a letter from the servicer stating that we owe XXXX XXXX dollars, and that our mortgage is going to increase by a third from {$1600.00} to {$2200.00}. We can not afford this, and will probably end up in foreclosure in due time. What should we do?
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Being downloaded is a Debt Validation Letter to Experian pursuant to 15 U.s. Code 1692g - Validation of debts, and 1006.34 Notice for validation of debts. 

I am requesting Debt Verification from Experian in their investigation results from [ XXXX XXXX XXXX XXXX ], I have a right to request all records, pertaining to the sealed eviction record, that is sealed from general public, I want documentation to show how they came up with the " Debt being verified as Accurate ''. I want the documentation they requested from the company to know what is being submitted to Experian, and I want documentation regarding how Experian investigated, and what evidence they obtained to verify the debt is verified as accurate. I do not want incomplete documentation, and I definitely do not want to be ignored, and recieved no response from Experian, I have a right to know what is being reported, all records so that I may review them, and dispute any, and all innacurate information, being submitted to Experian from XXXX XXXX XXXX XXXX in their investigation, I want Experian to send documents from XXXX XXXX XXXX XXXX, pertaining to them being licensed in the state of California as A licensed Debt Collection Agency that Collects on Public Records, Experian needs to provide with this companies License number so that I may be able to investigate to see if they are authorized to collect doing business as a third party collection agency, I want validation, that they are permitted by the courts to release the public record to the general public, to include credit reporting, after the ( record was sealed from the general public ) .meaning it is prohibited from appearing on my credit report. ( 2 ) I want Experian to verify the case number that is on the documents submitted to exclude any fictitious fake account numbers that XXXX XXXX XXXX XXXX tries to give them to verify it is a valid collection, I want Experian to verify and list in their paperwork submitted to me the original Case number XXXX, I want to know why Experian deleted the public record, and re-inserted the sealed record back on to my credit report, when Experian no longer reports public records, or judgments, I want an explanation as to why it has been re-inserted a total of 20 ( X 's ) after deleting it 20 ( X 's ) exceeding the re-insertion limit, Experian has a total of ( 30 ) days from the date they receive this it
Consumer complaint received 2023-04-15
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. (NY)

The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XXXX 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 2023-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, XXXX and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, XXXX and XXXX require this information to remove fraudulent items from your credit report. XXXX, XXXX and XXXX have failed to remove the following account Credit Acceptance Corporation opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (IL)

I have a loan with Ally Auto. I did not receive any statements, late notices, or could even access payment history or a balance on their website, yet they reported me 30 and 60 days late. Again, they did not send any notices.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (PA)

I went to log in to my US Bank business checking and savings account and I was informed by the online system that my username is suspended and to call their online banking team XXXX. I called and was informed by them that I need to contact my " Home Branch '' which considering I'm not in the normal service area for US Bank I had to call their corporate line and was informed that the account is impending a mandatory review. Later in the day I called the main line again and was informed by a representative named XXXX that the account is being closed and that a check will be issued. I never used the account in an inappropriate or illegal manner. My usage of the account was in accordance with US Bank 's policies and agreements. I am asking for the bank to reach back out and reinstate the account and appeal the said account closure as I believe it's unfair and predatory. It also was not right and unprofessional that I was not informed in writing about the closure and that I had to call several times to find out. 

Account Number : XXXX Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX Account information is protected for security reasons, please reach out to me for full account details. 



*** FOR CFPB USE THE COMPANY THAT IS IN QUESTION IS US BANK. ***
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Today, XX/XX/XXXX, Chime Financial closed by checking account without notice. 

This account contained over {$2000.00} and I used it to pay rent, my credit card bills, and receive my paycheck. 

I reached out to Chime for further explanation but they said they were unable to disclose further information about the closure of my account. 

They said they would send me a check with my account balance in 30 days.
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

Dear Debt Collector, RE Letter sent from JEFFERSON CAPITAL SYSTEMS Account : XXXX XXXX Account Balance : {$5300.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Im requesting that ARS ACCOUNT RESOLUTION validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( XXXX ). Proof that you either own or were assigned the debt from the creditor. 
( XXXX ). Proof that you have the right to collect this debt in my state. 
( XXXX ). Proof that your company carries a bond. 
( XXXX ). Proof of how your company assessed the outstanding debt. 
( XXXX ). Payment history from the original creditor. 
( XXXX ). Name and address from the original creditor. 
( XXXX ). Copy of the original contract bearing my signature. 
( XXXX ). Chain of title on this debt. 
( XXXX ). Proof that you can collect this debt from me. 
( XXXX ). Do you own it or is this debt assigned? 
( XXXX ). Copies of all letters sent to me from you and from the original creditor. 
( XXXX ). How much did you buy the debt for? 
( XXXX ). When was the last date a payment was made on this debt? 
( XXXX ). What fees/interest was tacked onto the debt? 
( XXXX ). How were the fees determined? 
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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.