davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: FIRSTBANK PUERTO RICO (PR)

( See more details in the included document named Dispute not solved Response to XXXX. ) XXXX did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here.

Additional Information and Documents About My Dispute to Help XXXX Resolve It : Dispute Is Not Solved, on XXXX Credit File : XX/XX/XXXX ; Confirmation # XXXX ; account on page 4 o 6, and page 5 of 6 ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

1. My credit report is about this credit card account, still has to be corrected.

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, one every month while agreement was active, last 2 payments in just one on XXXX XXXX XXXX. 
Instead : XXXX REPORTED 48 LATE PAYMENTS!!!! 
See XXXX Credit File Included page 4 o 6 and page 5 of 6 - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages 36 - 38 ( pages 3-5 pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX 2 XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the 1st monthly payment of the Certified Payment Agreement was paid.. 

No matter this XXXX Credit File of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see XXXX Credit File page 4 - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The 2 letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female officer at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.
Consumer complaint received 2021-03-17
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. (CA)

I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education (CA)

UHEAA has failed to provide income sensitive/income driven repayment plan request forms to me after several requests. Over the past 2 years I was  XXXX   XXXX , and have been unable to make the requested payments on my student loans. UHEAA has not provided requested assistance to have applicable forms sent to me vi a USPS. I  do not have a printer or a fax machine, and after the threat of having my account default and sent to collections, I had to spend money that was reserved for groceries and utility bills to have The UPS Store print forms out for me. When I visited UHEAA 's website to obtain the forms I needed, the links they provide on their website to access their forms section are broken and lead nowhere. After finally accessing the forms section and printing the documents I needed, I attempted to submit my forms via fax, only to find the fax number printed on their forms ( (  XXXX   )   XXXX  ) is an invalid number. I called UHEAA to obtain the correct fax number, reached a pre-recorded message that listed their fax number  as (   XXXX   )   XXXX  ... which is also invalid! This number is an actual PHONE number. I called UHEAA to complain about this, and was told by the customer service rep that their actual fax number is  (   XXXX   )   XXXX . I was told by the rep that she receives multiple complaints about this daily ... .yet they do not correct this issue. I took the risk of submitting my forms via email, which I understand is not recommended due to the sensitivity of the information contained on these forms, because I do not trust this company and want my communications with them to be documented from now on. This company appears to be crooked and it is unfair to make it nearly impossible for someone with the inability to repay their student loans to be placed on an appropriate repayment plan.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (FL)

The following statement below was sent to D & A Services , LLC of IL Be advised this is 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 suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request 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 2017-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I  am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my c redit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as  : 1 .   XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.    4.   XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.   6.  XXXX   XXXX   ACC BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Consumer complaint received 2020-06-18
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Consumer complaint received 2022-11-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XX/XX/year>, I received a credit alert from XXXX XXXX XXXX stating that an account from Capital One Auto Finance in the amount of $ XXXX was opened in my identity. The information was reportedly reported to XXXX. I logged-in into my XXXX personal account ( that I pay for ) and I did not see this added account/information. I contacted Captial One concerning the issue and they did not have any information with my name or XXXX. I then contacted XXXX XXXX XXXX and they referred me to a fraud/ restoration specialist. Today XX/XX/year>, I spoke to the specialist XXXX XXXX. I informed her of the alert issue and clarified that I never had any accounts with Capital One. In reviewing my account, the specialist also identified two other accounts and a hard inquiry in my name that I did not open/instigate. Together the specialist and I called Capital One 's various departments ( customer service, auto finance, credit cards, applications ) and no one had any information in my name. Nonetheless, as part of the restoration process, I was asked by the specialist to file a dispute with the respective Credit Bureau 's however as it relates to the open accounts with XXXX there is no such information listed with them ( according to several specialists I spoke to ), even though the information was reported as an alert with XXXX. As it relates to the hard inquiry, XXXX would like me to provide a letter from the creditor ( Capital One ) stating it is okay to remove the information. However, Capital One is unable to provide me that letter as I do not have any accounts open with them. I am filing this complaint as a form of protection that I did my due diligence to resolve this matter. Thank you for listening.
Consumer complaint received 2023-01-12
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. (PR)

( See more details in the included document named Dispute not solved XXXX to Equifax. ) Equifax did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here. 
Additional Information and Documents About My Dispute to Help Equifax Resolve It : Dispute Is Not Solved, on Equifax XXXX XXXX : XX/XX/XXXX ; Confirmation # XXXX ; account on page XXXX o XXXX, and page XXXX of XXXX ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

XXXX. My credit report is about this credit card account, still has to be corrected. 

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, XXXX every month while agreement was active, last XXXX payments in just XXXX on XXXX XXXX XXXX. 
Instead : XXXX REPORTED XXXX LATE PAYMENTS!!!! 
See Equifax XXXX File Included page XXXX o XXXX and page XXXX of XXXX - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages XXXX - XXXX ( pages XXXX pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX XXXX XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the XXXX monthly payment of the Certified Payment Agreement was XXXX 

No matter this Equifax XXXX XXXX of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see Equifax XXXX XXXX page XXXX - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The XXXX letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female XXXX at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.
Consumer complaint received 2021-03-13
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 — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-01-11
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. (PR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-09
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: National Credit Adjusters, LLC (TX)

I called into National Credit Adjusters in XXXX of XXXX and paid off in full a {$460.00} trade line of theirs on my credit report from an account from XXXX XXXX XXXX that the last payment was in XXXX XXXX XXXX 

NCA erroneously updated my credit report to show this account as having been opened on the date that I called and paid them in full for it. It took multiple calls and attempts to even get it to be recently updated as being " closed, '' but now it still shows up as being a much newer account than it actually is and is causing a recent collection to show up on my credit report. 

Other than the amount, being " paid, closed, '' all of the information they are reporting on this account is inaccurate. And their inaccuracies are causing actual financial harm as I attempt to get new credit or have to pay higher interest rates as a result of their errors. 

If this isn't updated accurately, or removed entirely, as a result of this final complaint, I'm going to have to seek legal damages against them.
Consumer complaint received 2023-01-11
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. (PR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (PR)

XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

After exhausting all measures known to me to get more information and pay a debt that I supposedly owe, the defendant refuses to send photographic information to prove the debt is mine. A debt that was put on my credit without my knowledge and only appeared as I was trying to apply for another apartment a year later. The apartment complex, XXXX XXXX, nor the debt collectors, National Credit Services Inc., tried to reach me at the numerous telephone numbers they had nor sent out correspondences to the other addresses on file they had nor sent out a debt verification letter with an itemized list of charges or notification of my right to dispute the debt before putting it on my credit which is a violation of the FDCPA. I have filled with the CFPB ( XXXX XXXX ) and disputed it with the credit bureaus ( multiple times ; most recently XXXX/XXXX/XXXX ). I believe the reason for this was to try to force me pay for something that I do not owe, abusing their power which in turn makes me look less than an upstanding citizen ; even after numerous demand letters they still wo n't provide actual evidence of their claim. In the meantime, I have been denied car insurance, credit cards, financing for vehicle and apartments ; XXXX of those listed things are things of necessity. Without the apartment, my roommate and I have been homeless. Luckily, we were able to find some people who were able to help, but that does n't excuse the fact that we still need a permanent place of residence and that process was and still is unnecessarily hindered by the other parties. On XXXX XXXX, XXXX, I sent a correspondence to the Law offices of XXXX XXXX XXXX and XXXX ( they are representing National Credit Systems , Inc in this matter ) asking for substantial proof of the debt and as of today ( XXXX/XXXX/XXXX ) I have n't heard anything back from them in the form of the asked evidence or a general correspondence. They still have n't sent me all the information that I asked for in a correspondence I sent in XXXX XXXX ; information that is pertinent to the validation and verification of the supposed owed debt.
Consumer complaint received 2023-01-10
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. (PR)

XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.