davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thomas George Associates, Ltd. (OH)

I have received debt collection letter to validate on XXXX fromThomas George Associates LTD. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requersting {$4300.00} and have 30 days to dispute. I responded on XX/XX/XXXX Certified mail requesting all document and signed contract and invoices include thier signed contract with original creditor. They failed to provide any documents and keep responding with same 30 days notice. Repeatedly almost every 15 days keep sending 30 days notice with same threaten information ignoring all my legal requests to send me any invoices or docmunet to verify debt. I have replaied back 8 Times requesting debit validation, and asked them to stop contact me. But they ignoring my right and all the legal process. I have asked them if they are licencesd in state of XXXX to collect debt and they ignoring any request.
Consumer complaint received 2022-03-29
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. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Reporting Act, this creditor Experian, and XXXX has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-27
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I received a notice from one my credit monitoring services on XX/XX/XXXX that Discover had closed my credit account of {$11000.00}, unbeknownst to me. When I contacted Discover, they stated they closed the card " due to inactivity ''. The last purchase on the card was XX/XX/XXXX, and payments were still being made on the card in XX/XX/XXXX. They also stated they sent a notice of this closure in XX/XX/XXXX and that it would be available in my account inbox. This notice does not exist and it was never sent. When I contacted Discover by phone they then stated that their " terms do not specify the amount of time an account must be inactive '' and they reserve " the right to close at any time ''. Though the Discover representative on the phone was unable to point me to a location where I am able to view those terms in writing, he insisted I had no options except to " re-apply for another line of credit ''. Not only have they just just sucked {$11000.00} out of my credit balances, their only offer is for me to add another hard inquiry to my report. This is outrageous. And again, with no notice to consumer beforehand.
Consumer complaint received 2022-05-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Hello, I XXXX XXXX requested to dispute these items on this list. On XX/XX/2022 I sent out letters to these companies to file disputes. Not only I have file a dispute on these items previously and nothing have been done. I will attempt to send another letter to them to file a dispute on these items. It seems like they open them and close them with out being reviewed with the supporting documents.
Consumer complaint received 2019-11-21
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. (MN)

looking to purchase a home and I noticed inaccurate and fraudulent information on my credit report. i have asked each credit bureau to remove all information not belonging to me and or not authorized by me and the information is still within my report, with no such verification and or documentation granting authorization by me. I am hereby asking each credit bureau to remove all inquiries and all negative reporting info that doesnt belong to me.
Consumer complaint received 2022-12-16
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. (IL)

Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you XXXX days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (MA)

XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from Unifin collection agency stating that they bought the XXXX debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.
Consumer complaint received 2022-05-18
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. (NC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$16000.00} )XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Several accounts on my credit report are fragluent and should be removed immediately. I have completed several documents to provide support for my claim. I provided the FTC to show that these accounts don't belong to me and then I also completed CFPB that received no response. According to the law to protect consumers, after the investigation the documents are supposed to be provided to the consumer, me. The accounts in question are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. First off the results of the investigation were never shared with me. Secondly the production of a wet signature was provided. 

The claims that were not responded to with document are as follows : XXXX & XXXX American thrift & finance XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX Attached are documents to support my claim
Consumer complaint received 2022-12-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX my application with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. XXXX submitted foreclosure status on XX/XX/XXXX and then again on XX/XX/XXXX to Experian/XXXX XXXX This was illegal. I disputed it on XX/XX/XXXX with Experian and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to Experian and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now Experian has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

My husband and I bought a home in XX/XX/XXXX that required flood insurance. We purchased flood insurance at closing and an escrow account was set up for the flood policy only. In XXXX I found out that there was an issue getting the flood policy in place, however, I was never informed of the issue due to the lender - ServiceMac , LLC - sending letters to the wrong address. ServiceMac , LLC then purchased another flood policy for me and raised my monthly payment about {$400.00}. As soon as I was made aware of the issue I contacted the lender and my insurance to get the additional charge removed and the correct policy in place. In the meantime I made my new, more expensive monthly mortgage payment. 

When I called around XX/XX/XXXX to make sure everything was received, I was told by ServiceMac , LLC that they would not speak to me because I am not on the account. I had my husband give them verbal XXXX hour notification to speak with me and a third party authorization was emailed to them on XX/XX/XXXX. My escrow account has since been refunded, however, I need my loan to be reevaluated to lower my monthly required payment back to its original amount. I called today, XX/XX/XXXX and was told they could not speak to me again because my third party authorization was not in their system. I asked to speak with a manager and was told no one would speak to me, but I could call back in 10 days and maybe the authorization would be on file by then. 

I don't understand why they would speak to me last month but not this month. I signed many of the lender papers at closing and my name is on the warranty deed. If my husband could call he would, but unfortunately his job does not allow for him to easily make phone calls during the day. I don't think we should have to make another extra payment next month just because they are waiting for an authorization that was already sent over and have verbal authorization to speak to me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my XXXX credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2016-01-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC. (KS)

On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA.
Consumer complaint received 2022-05-16
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: TD BANK US HOLDING COMPANY (TN)

I received a denial from Target on a credit cart application. I contacted target and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. Target advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX
Consumer complaint received 2021-10-29
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. (GA)

There are several accounts on my credit report that do not belong to me. Making these account fraudulent and needing to be removed from my credit report. I have never done or been associated with these companies. Being that I have never been associated with them it make it incorrect information. 

See attached documents
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I have had these two loans with Sallie Mae since 2004. 
My aunt was the primary borrower on one. She died. They told me to have my other aunt her guardian send in the death certificate and it was subject to be cancelled or done. 3 months later, after hearing nothing, I started getting calls saying I was 120 days delinquent and they removed her like she was never on there. For two years I asked for promissory letters. They sent wrong ones. I filed a complaint with you guys a couple of years ago. No resolution. You cancelled my claim and stated you guys would be investigated them due to many complaints. Fast forward to now they are Navient. I this year requested forgiveness for these two private loans due to the school I attended not existing any longer. I was told no. I am now a single parent of a XXXX year old. I am solely responsible for without any support. I am fortunate to have a decent job, with XXXX, etc, I cant qualify for any help because I have a decent job ... .but am still trying to make ends meat. His child care alone is XXXX monthly. I cant go into forbearance. Im stuck. I need help. This isnt right. Thank you