davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This complaint is based on violations of the FDCPA and the FCRA by the Respondent.

___ On XX/XX/2019, I reviewed my credit reports and saw a newly reported collection account by the respondent regarding an alleged medical debt. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/2019, I disputed the debt directly with the respondent in writing. In my letter, I requested only a few of the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name of the creditor, or the amount owed. 

___ On XX/XX/2019, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ On XX/XX/2019, I received the results of the investigation from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached Exhibit ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection activity while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX sent me an affidavit to fill out. I sent it back weeks ago. I have not heard anything back from them. They are trying to collect a debt that was a result of my account being used unauthorized.
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bursey & Associates, P.C. (AZ)

They started garnishing my wages in the middle of 2020 without ever serving me or notifying me of any court dates or about anything that was going on. I called Bursey & Associates today and asked for the balance, my credit report says I owe about XXXX and they said I owe about XXXX. Total different amounts. They claimed that someone else received the paperwork they sent me and lied about me be living there and being there at the time. I have proof that I did not live there where they sent paperwork.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Keep having wells Fargo interfere with my account access unprofessional customer service and balancing matching. When question seems I am a focus of customer subject. As a trustee there is no considered thought of amount but change on as a customer perspective is at a different angle there money is there's. Without approval stop credit availability for over or no fund .. receive regular checks deposit of years also balance is question when question bad customer service in involvement of my skills as a administration background should be ignorant and in school the higher there voice with assistant to upper management and involvement to be informant. I have been a XXXX  customer of years with excellent customer service XXXX  instructions to have XXXX  account since then such bad experience.stop password access and not receive interested on high fund account nor available product for interested to not have attire account spend need balY activity checked and investigation if representatives and service start S a customer also had stock in past with no interest adding for years is this a personal problem pursue I as a XXXX American worker with XXXX XXXX  account interest
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CA)

I have filed a complaint with the Consumer Protection Bureau. However, nothing has been done. I have filed a complaint with the credit card company directly. I requested that the fraudulent charges to my account be removed. I requested statements dating back to when the account was initially opened. I asked that all the payments I have been to the account be accounted for. This company has ignored my complaints and just recently placed the account in a negative status that has been detrimental to my credit score. I have never used this credit card outside of XXXX XXXX XXXX and it has been over three years since I have used the card. I no longer have possession of it. I sent a certified letter to the credit card company but I have not received any of the statements I have requested. Now it appears that the account has been reported negative to my credit report
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, 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. (NY)

According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2021-07-27
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. (NY)

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2021-07-27
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. (GA)

I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and XXXX about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

Over the last 5 days I have told them to stop calling me. They have continued to call up to 3 times a day, 7 days a week from an unlimited supply of numbers. 

I owe you nothing. Do not call me.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have contacted the Agency about my vehicle when I first purchased it in XXXX of 2019. I told them two days after I got the vehicle the transmission went out and they informed me they were not sending the check to the dealership for the car until they fix it or exchange my vehicle. They gave me false information and still funded my account and told me I had to make the payment even though they told me my payments wasn't going to start until my car was fixed or until the dealership exchange my vehicle. I couldn't afford to pay for the vehicle and come out of pocket {$5000.00} to fix the transmission after I just put {$2100.00} down for the vehicle. I was doing really good before I got the vehicle I've always paid my bills on time and never missed a payment now my credit is suffering because of them and I can't purchase a home because of the repossession. When the vehicle gotten repossessed and sold they have submitted different balances on each credit bureau.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$43000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX TX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00}
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (WI)

On XX/XX/2021 I received an email from Net Credit informing me of a denial of credit for which I did not apply for. I have not, nor have I ever, applied for credit from this company, yet they have pulled my credit report with a hard inquiry without my knowledge or consent.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX transnuin XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Consumer complaint received 2021-12-31
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)

I have contacted XXXX XXXX expirian and XXXX about my XXXX XXXX  card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

A few months ago I received a notice from Wells Fargo indicating that my escrow account was deficient by some {$450.00} or so. After reviewing the escrow I determined that WF has renewed my homeowners insurance policy with a 49 % increase without notifying me. I went on line and secured a few quotes and bought a policy from XXXX and prepaid for the year. I notified WF and sent a copy of the binder. I received a call from one of their many contact points acknowledging receipt of the policy binder.

A week or so later I received a notice that my mortgage was overdue and then a number of letters from various departments and their " executive offices '' indicating that they would complete an analysis of my account and I would receive a written response by XX/XX/26 - yesterday. Today I received a phone call from their collection department and again, the person calling had either no or incomplete information on my account. I am at a loss as to how to prove to them that I am not in arrears, never have been and their incompetence and attempts to cover for their poor performance is stopping me from refinancing. 

I will upload documents and letters, not all of them because they are redundant and 2 inches deep, that clearly show each of my payments made on time. I wonder how many other escrow accounts they have irresponsibly handled and how many other people have been subject to their corporate papering to cover up their irresponsible escrow management.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (NY)

I have filed a dispute with Experian and XXXX  in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2021. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second verification letter, ( signed and received on XX/XX/21 ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response from I have given well over the original 30 days to respond regarding my dispute " verification '' with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?