davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

on XX/XX/XXXX and XX/XX/XXXX, I submitted a request to Eqiufax to investigate a debt that has no creditor information, nor is it a complete reporting account. Ive requested the method of verification, and still zero response. But they have updated my credit file to state that consumer dispute this account. 

There is no chance that this has been investigated properly as you can see from my credit report that Ive attached there is no contact information from a creditor or collection agency. 

It is ridiculous that Equifax can add whatever they like on my credit report and its affecting me negatively.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MA)

I write you to address cascading events sprung by serial errors of XXXX Bank of XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, Transworld Systems Inc, TSI ( attached ). Now, my credit score has been damaged by false reporting.
Consumer complaint received 2021-12-19
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. (TX)

On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

XX/XX/2022 To who it may concern, I got switched to a new lender in XXXX ( Specialized Loan Servicing ) and called because I had questions regarding my payments since I had auto pay with my last lender ( XXXX  ) so I had to get my new account number from Specialized Loan Servicing to make my payment. During that process I called and spoke with them everything was fine, they told me how much I was going to owe every month and what specific day it would be best for me them to take money out since I was enrolling to auto pay with them as well. For the month of XXXX I saw they took out {$3500.00} from my account, I had called and spoke with them once again regarding what was going on and why they were taking so much money out. They started out saying I had late payments, and other fees but they never told me about any late fees or sent any papers regarding late payments or any fees. I spoke with a representative of Specialized Loan Servicing for the XXXX time regarding this situation on XX/XX/2022 who mentioned that it was a misunderstanding and that I should be refunded a total of {$3500.00}, since I do not have any late charges from my previous lender ( XXXX  ) statement XXXX. Showing {$590.00} payment from the last month period I had with them.
Consumer complaint received 2020-12-24
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. (CA)

Here we go again with Equifax. 
They are showing my mortgage as late in XX/XX/2020 and I am not. They were directed to change this mistake by XXXX XXXXXX/XX/XXXX earlier this year and they did not. 
I have attached a letter from XXXX explaining this. Please fix this.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Santander Consumer USA have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit. I tried to solve this matter with Capital One in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. The accounts have XXXX balance. 

1. Accounts are the following : 1 ) Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX. 
2. Capital One XXXX opened on XX/XX/XXXX. Status : Closed. Balance XXXX I demand a deletion letter so these items can be removed from my credit report, since it is causing me high levels of stress. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. 

Attached : - Letter sent to Capital One on XX/XX/XXXX - FTC Report.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (AL)

I financed a XXXX XXXX XXXX XXXX through XXXX on XX/XX/XXXX. Bridgecrest XXXX was the company who financed the vehicle. On XX/XX/XXXX I mailed by certified letter a Conditional Acceptance Letter along with the original contract to either was CEO ( XXXX XXXX ) or CFO ( XXXX XXXX ) of XXXX to XXXX XXXX XXXX XXXX XXXX, AZ XXXX requesting for validation of debt and under assumed name. I then mailed another certified letter along with a copy of 1099B which was received on XX/XX/XXXX by XXXX XXXX, I believe. Bridgecrest kept calling everyday and night for a payment that I still did not get a response of validation of debt from. I spoke with a Bridgecrest and they stated that they received the 1099B, but they do not accept 1099A as payment and still requested a payment since I was behind. I mailed to Bridgecrest CFO ( XXXX XXXX a Notice of Acceptance which was received XXXX that according to HJR 192 of XXXX that debt is prepaid since there is no real money circulating. Bridgecrest mailed back to me a copy of the agreement pointing that I owed the debt, but still validation. I get an email from Bridgecrest about repossession scheduled for XXXX XXXX if no payment was made. I mailed them back by certified letter entailing HJR 192 of XXXX and XXXX. On XX/XX/XXXX, XXXX XXXX repossessed my vehicle. Bridgecrest was asking for me pay the past due of XXXX that I told them I did not have. I asked Bridgecrest about HJR 192 OF XXXX, But a representative stated that the they do not abide by THE HJR 192 of XXXX. They mailed me back a statement saying that the car will be sold sometime after XXXX XXXX if no payment was made. I mailed on XXXX XXXX by certified letter to CFO of Bridgecrest an Affidavit of truth of violations of 15 USC 1662, 15 USC 1635, 15 USC 1605. Also included was an invoice of the violations occurred totaling {$45000.00} according to 15 USC 1692 ( a-e ) with 10 % tax along with the copy of the contract that Bridgecrest mailed me but I marked the violations on the contract. The letter was received XXXX XXXX.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've contacted the creditors and the credit bureau in regards to fraudulent information on my credit report I've submitted not only valid police reports hand written letters and proof of my identity the item was eventually removed from my credit report on all three bureaus but I recently received credit monitoring alerts that the fraudulent account had been added back to my credit report without any notice from the credit bureaus that it was being added back after being removed for almost a year and now they're refusing to remove it again even with my police report and proof of me being a victim of identity theft the credit bureaus have also refused to remove all inaccurate information such as name, employment and addresses from my report
Consumer complaint received 2020-02-28
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. (NY)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian credit bureau is a company that do not work for the people they are reporting & providing a service to. They are working for companies that pay them to keep a consumer in debt. I have had so many problems with this company over the years from discrimination to down right refusing to do a proper dispute investigation. I have written over 15 certified letters over time to this company on inaccurate information they have been reporting on my credit report. I even requested numerous times for a written letter on how they are able to verify accounts that the other two Agencies XXXX XXXX XXXX can not verify & has removed in a result of not being able to validate the collection. I have two collection reporting on my Experian & in both case I requested in writing proof of what & how they validate the account. I wanted proof that they were not just skipping steps & putting validate. I even spoke to a manager at Experian that was beyond rude & told me that they dont have to send me any proof because their investigation is private not for the consumers. I even ask if he was on a recorded line & he said yes because I could not believe the way the manger was speaking to me. When proof of identity is sent in with driver license that show our XXXX Experian makes their ruling base on that. All of my calls & behavior by the employees lead me to believe that they are not verifying my accounts because they stand more to gain.
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

I HAVE THREE FILES ATTACHED WITH THE CORRECT AMOUNTS LISTED PLEASE REVIEW CAREFULLY. THE BALANCE IS INCORRECT VIA DEBT COLLECTOR XXXX XXXX XXXX. 
I have below the original documents. I also paid them {$500.00} as my original deposit to process order. The original debt amount is listed as way lesser than the balance on my consumer report. Please review files. The debt collector has an inaccurate amount. The balance is inaccurate an needs to be deleted. Due to covid 19 I was not able to make ontime payments because of the shut down and and loss of work. I was able to resume payment but this balance is not correct. This item has been reported on my consumer report far to long at the wrong balance with all the inaccurate data please delete. This dishonesty has harmed my consumer report and it is against the law to report the wrong amount. Please review all the data and help as soon as possible.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

1. EQUIFAX is reporting my closed Zero balance Credit Cards and Credit store cards multiple times. I have requested on several occasions to remove the multiple accounts for years and to no avail the accounts are being reported monthly. 
2. EQUIFAX is reporting my Credit Cards as closed with zero balance. 
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 2022-02-15
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. (WI)

I was incarcerated for XXXX years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy Experian now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have contacted XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-02-14
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (NJ)

I sent XXXX, Experian and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, Experian or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc. (TN)

National Enterprise Systems ( NES ) in XXXX, OH has repeatedly ignored requests from the employee and our corporate entity to refrain from calling employees while they are at work. 

If NES is claiming to be a debt collector, this practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If NES is claiming to be a debt buyer/holder, this practice is in violation of the FDCPA pursuant to the United States XXXXourt of Appeals for the Third Circuit ruling in XX/XX/2018 in Tepper v. Amos Financial, LLC, No. 17-2851. Tepper v Amon Financial, LLC ruled that an entity whose principal purpose is the collection of any debtregardless of whether the entity owns the debt it collectsis a debt collector for purposes of the FDCPA.