davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX gave my name to a collection agency for an account with which I have no association. They claimed the balance was {$790.00} and due on XX/XX/XXXX. I disputed the account sometime in late XXXX or XXXX ( I am not sure of the dates ). I finally heard from XXXX XXXX in XXXX of XXXX. They claimed that they could not investigate since I did not have an account number. I stated that I did not have an account number because I had no knowledge of the account prior to debt collectors contacting me and that I did not keep the account number. 

I was contacted again today ( XX/XX/XXXX ) by I.C. System Inc. XXXX XXXX gave them the account number. Obviously, XXXX XXXX had access to it when I spoke with XXXX XXXX on the phone. I believe that they know the account in fraudulent. I further believe that they fabricate these accounts and knowingly have debt collectors attempt to collect fake accounts. I believe this because it would have been trivially easy for them to verify that I did not live in Mississippi where they claim the account was opened during XXXX. 

I request that the CFPB open a criminal investigation into XXXX XXXX 's conduct and the conduct of I.C. System, Inc.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (OH)

Bull city financial debt collectors put a collection of {$1200.00} on my XXXX credit report. This debt was originally put on XXXX and was almost immediately removed from XXXX after I disputed it but remains on XXXX. I lived in florida and then later on moved out-of-state. When I was getting ready to move. I called the original creditor which was XXXX XXXX and asked them to terminate service At the service address because I was moving. They set up a date. I paid my remaining balance. 
And When I moved I left a fowarding address. After this item was disputed and Removed from XXXX I noticed it was immediately put on to XXXX I called bull city financial. They were Extremely rude to me. I tried to explain to them that I had service disconnected and my final bill was in fact paid and that I did not owe this money. And could they please send something to me? Such as a verification letter, a summary of charges, something showing how this Amount came to be. They did send a validation out 30 days later. But that is absolutely not what I requested. And it didn't have any of the information on it That I ask them to provide. I also contacted XXXX 
By phone as well as disputing this on the app several times with no success. I then proceed to call XXXX XXXX. The original creditor they transferred me to 4 different departments. And no one could help me. They stated that after 2 years, their systems were wiped clean. And they had no information on this account that could help me. So again, I reach out to bull city financial. 
Several times with no success. Then I started emailing the help desk over At bull city financial several times they only responded once. Via email and stated that they sent me a validation letter. I then responded back to them by saying that that is not what I'm requesting and ask them if they could Please send me proof of these charges. 
I haven't heard anything back so I sent another email asking the same thing. Several days has went by and still nothing. So now I feel that I'm being ignored. 
The resolution that I'm seeking is if bull city, financial or XXXX XXXX can not provide the information that I'm requesting. And prove these charges to me that they say I owe As well as proved to me That service was in fact disconnected on the date that was set up when I made the original phone call. I know for a fact, my balance was paid and full before I left The state of Florida. I would like to see it removed from my XXXX  Credit report and be prohibited from being put on my XXXX credit report and for that matter. Any of the three credit Reporting bureaus. 
Thank you, XXXX XXXX
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SF VAGO, LLC (MI)

This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.
Consumer complaint received 2020-11-09
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I had an account with Credit Acceptance. I paid off the loan in full in the amount of around {$3000.00} back in XXXX of XXXX regards to a settlement offer. They are still reporting me as over 180 days plus late on my credit. I need this inaccurate information removed from all 3 credit bureaus. I have receipts showing that this account has been paid in full.
Consumer complaint received 2020-11-09
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NY)

I have sent Commonwealth Financial Systems Inc. Two debt validation letters. I sent one on XX/XX/XXXX via certified mail that was received by Commonwealth Financial Systems Inc. on XX/XX/XXXX.  They sent me a letter that I received on XX/XX/XXXX that simply stated that I assume debt if I do not reply within 30 days. In response I sent another debt validation letter on XX/XX/XXXX. They received the letter on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I received a letters for 3 different accounts each with the copy of an invoice. There was no validation documents sent. 

In every letter I requested seven documents to validate debt.

1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt and interest charges.

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent
Consumer complaint received 2022-12-14
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. (CA)

As federally protected consumer, there have been several Fair Credit Reporting Act Violations that Have occurred on my account including XXXX XXXX XXXX. I have tried to settle the matter of the late payments that were improperly reported to my account with XXXX, XXXX, Experian and XXXX XXXX, however, My disputes were not thoroughly given the proper investigation to verify and correct the incorrect information that has been reported to my consumer credit report. This has caused harm.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am XXXX XXXX  so I am contacting you via email regarding my concern for a dispute I currently have open for unauthorized theft of my debit card. 

When I opened this claim I informed the person taking the claim the following. 

I used my card for gas on the day I went to urgent care for not feeling well. I had a XXXX test that same day I used my card at the gas station. It appears the next day my card was used twice a day on a daily basis until my balance was to {$3.00}. 

During my initial claim I stated I tried paying at the pump but the screen would ask for a pin number but still not authorize. I had to go inside and there was a very long line because it seemed everyone was having an issue with paying at the pump. 

I faxed a copy of my XXXX XXXX message received to my phone into your disputes department. This would show that I was confined home and not feeling well while my card was being used daily with no unusual activity being picked up by USAA 's system. 

Today I stopped for gas at the same station and there was a man taking videos and photos of a device attached to the pumps and the ATM machine at this same gas station. I used my card then the theft occurred. 

I am attaching photos of this device the man was pulling from the pumps and two ATM machines. I do believe he called the police to report this and turn the devices over to authorities. 

Please have this information reviewed and sent to your disputes department to assist in the possible recovery of my approx {$3500.00}. 

Thank you and if you need my assistance please send me an email. XXXX XXXX & Happy Holidays.
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (FL)

I received a copy of my credit report from XXXX XXXX and Experian and it shows several student loans, but the problem is the loans are the same exact loans they just switched servicing companies so only one company should be reporting the loan not both. They have the same exact open dates, same amounts and same late months it's hitting twice.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

15 U.S code 1682 c-2, a consumer reporting agency shall block the reporting of my information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, no later than 4 business days after the day receipt. You are a violation of this law because I am a victim of identify theft! Please delete these items INMEDIATLY!
Consumer complaint received 2020-11-09
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. (NJ)

I am a victim of identity theft and breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-17
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. (MI)

In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my 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 ) 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 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (CA)

After closing my account and paying the total stated balance in full with a verbal and written confirmation stating, you have no further financial obligation to us, the CC company still is herassing me for a charge that was posted XXXX weeks before I closed the account. They failed to disclose a {$26.00} charge to me when i closed my account and lied to me and said that I owe {$0.00} dollars then 1 month later are now adding more charged onto the account. 
I have spend numerous hours on the phone and stressed out and they just dont care to help me or admit theyre at fault. Please help. Thanks
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted TRANSUNION to inform them that XXXX # XXXX are reporting inaccurate and fraudulent information on my credit report. 

1. I informed them that this isnt my account and it was previously removed. See : Exhibit A 2. I informed that the account is reporting inaccurate by stating its a collection/charge off account. See : Exhibit B A collection and charge off are two different types of accounts subject to two different types of rules per FCRA rules and regulation.

A. A collection is a derogatory account ; and B. A charge off isnt a derogatory account. 

Therefore this account is reporting inaccurate and the company is reporting inaccurate information which is prohibited per FCRA rules.
Consumer complaint received 2020-11-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp (IL)

Someone has fraudulently used my personal information to what seems to be, have medical care. I never gave anyone permission to use my personal information for anything. Now I find out that there's a collection on my credit report from Creditors and Aud ( original debtors is showing as XXXX XXXX XXXX ), for a total of {$920.00}. Again, I have been a victim identity theft because I have never had any dealings with either of these companies. The account states that it was opened on XX/XX/2019.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: AES/PHEAA (MO)

I took out XXXX small student loans from National Collegiate Trust/ American Education Services XXXX I have paid these student loans off. I have letters at my home from NCT that CONFIRM that I have paid these student loans off. I paid them off around 5 years ago. For a few years afterwords, I would receive collection calls from NCT and then from private collection agencies, trying to collect the student loan debt, that I paid off. I would fax the paperwork and I would n't hear from the collection company again. Until probably 3 months later, and it would be a different collection agency trying yet again to collect debt, so they said. Eventually after a few years of this, NCT sent me a letter in the mail saying they were taking ME TO COURT to sue me for the negative balance. I TOLD THEM I HAD LETTERS that said I paid it off. The court drug out for several months, where it kept getting pushed back, eventually at a hearing where I showed the judge that I IN FACT had letters from NCT saying I PAID OFF ALL DEBT OWED, they finally dropped the case against me. TO THIS DAY XXXX It is STILL on my credit report as NEGATIVE debt!!!!! I am trying to purchase a new vehicle, and it does adversely affect my percentage rate I can get on financing, because of the XXXX negative NCT accounts on my credit report. I want these XXXX negative reports to be changed to PAID. AS IT SHOULD BE!!!!!! Because I PAID THEM OFF. They most certainly are not NEGATIVE. And I am really TIRED of dealing with all of this. National Collegiate Trust has been nothing but trouble for me. Thank you.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MN)

Closed checking account on XX/XX/2023 and received cashier check in branch issued by wells Fargo banker, then deposited cashier check with XXXX XXXX  in ATM, few hours later received an email from XXXX  XXXX states security alert, then called bank, got transferred to security team been told they can not verify my cashier check thru wells fargo, meanwhile my XXXX XXXX account get freeze due to abnormal activity, means I can not withraw ANY fund from my XXXX XXXX checking. then called wells fargo customer service few times talked to supervisor to verify the situation been told nothing they can to. 

Date XX/XX/XXXX Amount {$4800.00}