davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (MA)

Dear CNAC/XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However XXXX XXXX reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 


I intend to follow through with the suit if I do not hear back from you within 15 days.
Consumer complaint received 2024-02-09
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI (FL)

General revenue corporation called my phone and I couldnt answer at work they left a voicemail. Then proceeded to call my husband. I did not give them permission to contact my husband or inform him about any debts
Consumer complaint received 2021-01-04
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: CBC Companies, Inc. (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, FACTUAL DATA/XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

XXXX FOR {$930.00}??? HOW? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-06
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist bank has charged me {$390.00} in overdraft fees in the past 2-weeks which has hindered my ability to keep my employees and meet payroll. Our work volume decreased by 90 % because of the feds rate hikes. I deposited enough money to cover the drafts but the way they apply fees kept my balance in the negative allowing more overdraft fees to be charged.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Home Mortgage claims I owe them over {$16000.00} in a " escrow shortage '' for my conventional XXXX XXXX loan. But they refuse to deduct XXXX they got back from the DC Government during my dispute over the amount of taxes owed. They admitted this in a letter of XX/XX/2020 to me ( attached ), saying they got the money, and that DC said this " removed the escrow shortage. '' Yet, they claim there is still a shortage. I want to pay off the loan with a lower-rate loan, but don't want to pay the excess they claim I owe. I have written them repeatedly, but they claim they are as pure as pristine snow, even though they were fined {$3.00} XXXX last year by DOJ for fraudulent accounts. I think mine is a repeat.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is charging me overdraft fees, declining to cease, and not allowing me to close my services with them. At the beginning of 2020, I called Bank of America to request that all charges which would overdraft my account be blocked entirely to result in no charges. Bank of America has negated my request and continued to charge me checking account overdraft fees throughout 2020 to present-day, which have resulting in the overdrawing of my account. They are now refusing to close my account and refusing to block any incoming payments, unless I pay the overdrafted amount, which comprises solely of the fees that they were explicitly requested to cease in the first place. I have called them several times, and they are declining entirely to refund their fees and close the account, which will result in additional fees, which I will not pay. They have stolen the entirety of my recent {$1200.00} Covid stimulus check that is required for food and shelter for me and my child.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Consumer complaint received 2021-01-06
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I have two different collection accounts on my credit report from the same company. When I contacted Medical Data Systems I was told that the two account balances are all one account and that the account had to be paid at once and not separately, meaning that one couldn't be paid without paying the other. The first things that popped into my mind was if it's one account with the same date of service, then how is it legal to put it on my credit report twice? The account have been satisfied, but I haven't received any paperwork showing that the accounts are {$0.00} Balance. All I have to show is that is was drafted from my account. They gave me a shady response of not sending out receipts to customers which is really confusing. These accounts are paid and need to be deleted from my credit file being that they put two different accounts on my credit file when it's all one account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX XXXX 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.
Consumer complaint received 2021-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021 I sent a cease and desist, Affidavit of truth, exhibits labeled with violations of the FDCPA, and an invoice invoking my specified remedy pursuant to 15 USC 1692.c ( c ) ( 2 ) as a federally protected consumer and the original creditor. Capital One Is in violation of 15 USC 1692d ( 1 ) as they harmed and ruined my reputation by furnishing negative information on my consumer reports, and used criminal means to further harass and abuse me by selling or assigning the alleged debt to a third party debt collection Agency who further harassed me with unwanted calls and mail without my permission which is also a violation. Capital one furnished bad debt to the consumer reporting agencies ( XXXX, XXXX, XXXX  ) ruining my reputation, credit worthiness, credit standing, credit capacity, character, and my general reputation as a consumer.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

We financed a vehicle through Ally Bank for our son. Our son totalled this car in XXXX and had stop paying insurance on the car. After we filed a Gap claim, as well as paid off the remaining loan of {$17000.00}. We were supposedly getting a measly claim settlement from the gap insurance company, but even though I told them I had paid off the car in full, they mailed the payment to Ally, XXXX XXXX XXXX sent the check to them without letting me know they were doing so, or I would have sent them a copy of the title so they could mail to me directly. I knew it would take forever to get this money, but had no idea how bad it was going to get. 

When I called Ally bank they said I will get a check for the Gap balance in 60 days. I explained repeatedly this was not regarding the balance for the Gap insurance, this was a claim and they already were in posession of my money and had to send to me. I was told the same message by email and by phone over and over. Finally, one day two checks arrived. 

When I tried to deposit it them my credit union ( XXXX ) rejected both checks saying one was not from a real bank and the other was a duplicate check. I went to my other bank, XXXX XXXX, and after a few days they said Ally returned the check for the Gap Balance because it was a duplicate. When I called they said I would get a new check sent, but none was ever sent. Now they say it was a duplicate and they only owed me one check. They recieved 2 checks for the loan but only sent me one.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NV)

I spoke with a lady named XXXX from Phoenix Financial. I paid the {$140.00} in full on XX/XX/XXXX even though I wasnt made aware that this account existed until it hit my credit. She assured me that I would receive a paid in full letter that would also state that they would remove the collection from my credit report via email within an hour or so. I didnt receive anything. I contacted her back the next day and she said that it takes 24 hours for me to receive the letter. I didnt receive it. I called back and she informed me that it takes 48 hours to receive the letter. Needless to say, I have yet to receive the paid in full letter. I also am worried that they will not remove the collection from my report as promised. I also spoke with a supervisor named XXXX XXXX, who was extremely rude and unhelpful. She didnt want to provide her name nor did she want to provide me with the letter that I requested. A lady named XXXX was extremely helpful with my request for information. All I wanted was to ensure that this situation will be handled as I have worked hard on establishing a great credit history and I dont want it ruined for a debt that I have no clue about that is only {$140.00} that has now cost my score 70 points.
Consumer complaint received 2023-05-26
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. (FL)

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any 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 : It also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Apparently for some reason, Portfolio Recovery Associates. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the three major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX 2017 on my XXXX, XXXX and XXXX credit reports to no avail. XXXX XXXX XXXX continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, American Jurisprudence, 73 AM Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Portfolio Recovery Associates. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Portfolio Recovery Associates. is blatantly disregarding the law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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