davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

HI First Credit Services - HOW RE YOU? 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 2019-06-13
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. (VA)

My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.
Consumer complaint received 2019-06-14
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. (FL)

I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested XXXX XXXX XXXX to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and XXXX XXXX XXXX to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XX/XX/XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to Equifax to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted Equifax and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to Equifax and second to send me a letter stating that they sent this request to Equifax. After a couple of weeks, I contacted Equifax again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and Equifax keeps not receiving it.
Consumer complaint received 2023-05-08
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. (KY)

A fraud alert was placed on my credit report in error by Equifax, XXXX, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
XXXX sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, XXXX, and Equifax as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, Equifax, and XXXX. There is no excuse for this.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter certified to XXXX, XXXX, and Transunion on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is refusing to reimburse me for the fraudulent activity on my account in the mount of {$14000.00}. How do you conduct an investigation and never speak to the parties involved? There is documentation on activity on my account on XX/XX/XXXX that i contacted the bank for they cancelled my cards. On XX/XX/XXXX i received to what was said a follow up call to Saturdays unauthorized activity and additional activity. ANd then my money was gone and they are denying responsibility. I can not afford to lose that amount of money. CLearly there is someone within the organization because they had access to my account and never asked for personal or account information. An article has been published after the fact detailing this scam. How am i responsible for the lack of security that Wells Fargo has. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

Hi, I have a 2 year XXXX XXXX in XXXX and my loan amount is XXXX. I have attempted numerous times to get this balance to a reasonable amount. The FEES are more than my total loan used to get the degree which came to XXXX. I have tried numerous times to speak to someone and explain that this practice is not reasonable. My loan was sold to another servicer and more and more fee 's were being added on daily and when I paid it, the balance only continued to go up. This not something I could ever pay back or pay to get under control. 
thank you
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

National Credit Systems sent me a letter in the mail stating that I allegedly owed a debt. I sent them an immediate response saying that the debt was not mine, and asked them to validate as well as prove that they are legally licensed to collect debt in Florida. 

It has been 2 months now and I have not received a reply, and noticed that they placed the account as in collections on my credit report, without validating the debt. This is illegal and will also be reported to the Florida Attorney General as well as the Consumer Financial Protection Board.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.
Consumer complaint received 2024-02-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX XXXX I initially contacted XXXX XXXX XXXX XXXX for a hardship request for my account. I then spoke to a " Collections XXXX '' who had me email over documents and never heard anything back. I then started to receive phone calls asking why I had not paid. When I told them I filed for a hardship on my account, I was then told I was good to go. These calls continued for approximately a month until I was told there was no knowledge of this. On XX/XX/XXXX XXXX, I then spoke to another " Collections XXXX '' and they had me resend the documents and restart the process. It was then approved a few days later which led to me being allowed to skip the payments for XXXX and XXXX. 

Following this, I was then reported as >30 days late on my credit report. On XX/XX/XXXX I filed a dispute with the two credit reporting agencies that my auto loan is being reported to regarding the reporting of a late payment for XXXX. I then received notification that my account was being reported accurately and this is not true. 

According to the FCRA : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-06-18
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. (FL)

To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016 and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020, applied for a credit line increase. I received a notification that it will take some time because I have a fraud alert on all of my credit files. Anytime that my credit is ran the company is supposed to call me and confirm that it is me that has made the request. Today XX/XX/2020 I received a letter stating that they were not able to contact me with the information provided on my credit file. My cell number is the number that they was supposed to call and they DID NOT. My cell number is stated on all credit bureaus. Comenity bank is not honest the request and requirements of the consumers reports.
Consumer complaint received 2023-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (NY)

This is a medical debt on my credit report and its in violation of the code fifteen USC16 81 there should be no medical debt on my credit report. 


Syncb/care credit XXXX XXXX XXXX Charged off
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

I owed a debt to Citibank which handed the debt over to XXXX XXXX. XXXX took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from XXXX on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called Citibank to explain what happened by they just directed me to XXXX.
Consumer complaint received 2016-03-22
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: MIDFIRST BANK (MS)

I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

So today, I pulled my consumer credit reports with XXXX and TransUnion and I immediately noticed a host of FCRA violations in regards to the DEPT OF ED/XXXX accounts being reported without my permission. Lets take a look at section 15 U.S. Code 1681 and see

what Congress has to say about this section : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings

: ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Now lets look at another section of the FCRA 15 U.S. Code 1681b and see whats being said in that section : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a Consumer, a couple things stood out. First I never provided written instructions as is required under 15 U.S. Code 1681b to any Consumer Reporting Agency to furnish my reports, and by doing so without that permissible purpose, you have damaged my reputation and infringed upon my right to privacy as a federally protected Consumer.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (PA)

Hello, I have only received vague correspondence from you about this debt you claim is owed. In your response you failed to provide me with an itemized list of what is owed where the balance will total {$18000.00}. I would like to know all of your additional interest and fees that might be added or included in this amount you claim I owe. Please include how this amount was reached and where it originated from. I would also, like to know when and how you obtained this debt? What type of debt is this? Is this a judgement, credit card, etc. 
Account number XXXX
Consumer complaint received 2020-09-24
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. (WA)

I sent Experian a dispute for items on my credit report. Letter was sent XX/XX/2020. Tracking number XXXX certified mail receipt showed that they received the dispute XX/XX/2020 at XXXX XXXX, XXXX, TX. They sent back Report # XXXX for XX/XX/2020 showing addresses and names that are not me. This report appears to be a stalling tactic to avoid correcting my file. I have provided them with my TDL, evidence of my address, name and birthdate. All the other information that was sent has nothing to do with me and proves to be confusing and serves no purpose in getting my account cleared up. 

I want my credit file to be cleaned of all information that has nothing to do with my information.
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (AR)

I received advertisement correspondence from local attorneys inquiring if I needed representation due to a recent lawsuit that was filed against me. This was the first of hearing of any lawsuit being filed. First of knowing about this company, Velocity Invesrments! I havent received any type of correspondence from this company, let alone a lawsuit complaint. Furthermore, I have no knowledge of this company, havent had any type of dealings or contracts, etc from this company! This is definitely underhanded and intentional to file a lawsuit against someone without proper notification. This most definitely violated my rights as a consumer!