davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-01-11
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: ERC (SC)

On XXXX XXXX, 2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (IL)

Equifax continues to list XXXX on my credit file which is false information ( see attached ). An unaffiliated XXXX family lived next door years ago in XXXX XXXX who I believe had this number. Due to fraudulent accounts that XXXX XXXX XXXX sent to collections, one the XXXX XXXX XXXX skip tracers i.e. XXXX XXXX most probably misreported this number to Equifax but the number is incorrect. 

XXXX has been my phone number for all of the 14 years I've been here ( XX/XX/XXXX XXXX and 12 years (XX/XX/XXXX ) when I lived around the corner.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Subject : Complaint Against Debt Collector for Unauthorized Credit Access Dear FTC CFPB XXXX XXXX and XXXX I am writing to file a complaint for accessing my credit report under false pretenses. I believe this action violates the Fair Credit Reporting Act ( FCRA ) and warrants investigation. 
I have never given any permission nor signed any disclosures with these creditors. I have asked several times for docs and they continue to violate my rights. I have suffered damages as the information has caused me to lose my job and triggered severe emotional distress. I am writing this letter on my own initiative and free will. I have found inaccuracies in my credit reports, and the FCRA Act mandates that actual people, not computer programs, verify credit reports. Verification will come from talking to people I know, since the information provided by secondary credit reporting agencies is often inaccurate. I, the author, request that this content be removed immediately.Provide evidence of the debt, such as accurate bookkeeping. A signed invoice that attests to their allegations against you. A copy of the legally binding agreement that binds you and the other party ; send this letter by recorded delivery so that someone else can confirm receipt. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. I have contacted the Creditor/Agency asking for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof 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. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information. 
I have requested the FTC, CFPB and my legal counsel to investigate this matter promptly and take appropriate action against the debt collector in question. Your assistance in resolving this issue is greatly appreciated. FTC and CFPB reports have been filed. 
Thank you for your attention to this matter.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

PayPal is not letting me withdraw the balance in my account even though the money is rightfully mine. I firmly believe what they're doing is completely illegal and should be investigated by government agency. I will be filing complaint regarding this issue to Texas state attorney and other regulatory agencies if this problem continues to persist after this complaint.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I never received statements from  XXXX   XXXX . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score.
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2016 I SENT A DEBT VALIDATION REQUEST, CERTIFIED MAIL, FOR ACCOUNT # XXXX WHICH WAS RECEIVED BY LVNV ON XX/XX/2016. I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " XXXX XXXX '' WITH DIFFERENT AMOUNTS. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 4 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED. ATTACHED IS THE VALIDATION REQUEST AND CERTIFIED MAIL RECEIPT.
Consumer complaint received 2023-02-14
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. (NE)

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 Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (SC)

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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc. (TX)

I ordered two XXXX watches from the online store express and the watches never arrived. I called express a month after I noticed the watches havent made it and the representative XXXX told me to give it a little time due to the coronavirus delaying mail routes. Another month and a half passed and still no watches. After countless email sent to XX/XX/XXXXXXXX and comenity bank I was told I could not receive a refund and I had to still pay for the good even though I never received them. How is that legal? How is that fair, on top of that they are giving me late payments on the account and I havent even received the items. This is bullying and must be stopped they are taking advantage of me. Please reach out to them and Attorney General.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  incorrectly reported late payments to a ll   XXXX   (  XXXX  ) major cr edit bureaus ( Equifax,  XXXX  and  XXXX  ) although the loans were approved for forbearance. Ad ditionally, I addressed this issue with  XXXX  on    XXXX   XXXX  , 2016   via facsimile and US mail to no avail.
Consumer complaint received 2021-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

We where disbursed a private Student Loan on the XX/XX/XXXX for {$5000.00} and XX/XX/XXXX for {$5000.00} and only XX/XX/XXXX for {$8500.00}, our co-signer later filed bankruptcy ( who is now deceased ) which had nothing to do with us paying the loan yet Sallie Mae/Navient according to my payment history sent in XXXX charged us a Capitalization Fee of {$4000.00}. 
Why did it matter that our co-signer filed bankruptcy she was not the one going to pay the loan back and the loan never went into default at least I was not sent anything so how could they charge us a capitalization fee? They are telling me these loans will not be paid back until XXXX that is way past 10 years.
Consumer complaint received 2021-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK (NC)

I contacted Discover Bank regarding my personal loan ending in XXXX which I had any issues before on regarding changing my due date. My pay schedule from my employer had changed and I needed to change my draft to the XXXX th of the month. I gave them advance notice however i was notified this would not go into effect until XX/XX/2021. I paid a partial payment and my credit card which is current and set up payment arrangements for the remaining balance on XX/XX/2021. Discover personal loans then which is a separate consumer product and has a separate disclosure sent to customer has absolutely nothing to do with my credit card which was established years before I even requested a personal loan. When I called customer service to inquire why was there a hold on credit card from the personal loan department I got the run around saying it was company policy. I asked the representative where is that in the consumer disclosure issued to consumers that other products or services would be disrupted or not available even if they are current. The representative couldnt find any ounce of documentation disclosed to the consumer that had this information. I was on hold for a while and even reviewed my personal loan agreement which does not state explicitly anything where if suitable payments or payment arrangements are set even on accounts in current status services would be altered. I am not sure how a financial institution is allowed to alter services from an entirely different consumer service or product that were not established at the same time or year that do not have the same payment or fees together. This is in violation of the fair debt collection act
Consumer complaint received 2023-06-26
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA XXXXection 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (GA)

A loan amount was discussed and agreed upon in purchasing the XXXX  XXXX XXXX, it was then clear that the dealership and bank made additional fees or possible fraudulent acts to get more money out of the car. The car was posted at roughly {$9000.00} ; on the back end, they asked for approximately {$15000.00}. Wells Fargo is known for fraudulent activities like this in mismanaging various types of accounts of loans. I ask that you please investigate this in my account and bring clarity to what was done to this account. I believe that Wells Fargo incorrectly assessed fees and payments on this car loan as they have shown in their history before.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-03-22
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. (AZ)

This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.
Consumer complaint received 2017-04-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have a 2nd mortgage with Specialized Loan Servicing and typically pay on the first Friday of the month. I noticed they are posting the payments on the following Monday which is causing extra interest to be charged on the loan. I called to check with them on this practice and they told me the only way I can get a payment to post on a specific date is to use their auto pay. I also checked my primary mortgage to see what date they are posting the payments because I use the same payment method and XXXX is posting the payments with the correct date.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Consultants of California (CA)

XXXX   XXXX ,   XXXX   Account name Collection Consultants of California  Inc. ( C CC )  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX , CA  XXXX  (  XXXX  )  XXXX  Account number :  XXXX   XXXX . CCC letter correspondence  XXXX   XXXX ,   XXXX  .     Original creditor  :   XXXX   XXXX   XXXX   XXXX  We are writing to ask that CCC update our account, and that you inform all  XXXX  credit reporting agencies to delete all CCC account activities from our credit report.     CCC has inaccurately reported account activities to the credit reporting agencies and negatively impacted our credit report and score for several years.     We will use all legal means to protect our rights and accurate account reporting.     CCC has unfairly and unreasonably approached alternatives to delete all account activities, similar to other account payment companies.     However, in order to reasonably close this matter, we are requesting that CCC mail us a formal response offer to significantly reduce any open account amounts and an offer to delete all account activities from our credit report immediately.     We will then review your offer and contact you.     Thank you for your consideration.          XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX .
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OH)

I submitted an IDR and consolidation application on Saturday XX/XX/XXXX. I did not get any confirmation from Nelnet regarding the status or receipt of the application ( s ). My federal student loan account on studentaid.gov shows they are processing with the servicer ( Nelnet ). According to everything I have read about applying for IDR plans, my account should be in forbearance until the application is processed ; " administrative forbearance '' according to consumerfinance.gov. As of XX/XX/XXXX PM, my account on Nelnet is marked as " past due '', and I have waited on hold on the phone for 4 hours total today ( XX/XX/XXXX ). I have not gotten to talk to anyone regarding this situation and if they indeed get the applications and why my account is not in forbearance. Email concerns directed me to the website, which does not have personal account answers. Each time I was on hold, my call was disconnected. I need this information before my " past due '' account effects my credit score.
Consumer complaint received 2017-02-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rubin & Debski, P.A. (FL)

I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (TX)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX