davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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. (LA)

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, XXXX has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing.  I HATE XXXX!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.
Consumer complaint received 2019-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Integrated Asset Recovery LLC (NC)

XX/XX/XXXX-XX/XX/XXXX PORTFOLIO RECOVERY ( not licensed in NC where I live ) have repeatedly called me, over and over for years, I requested them to not contact again- they use every number under the sun. They state I owe money which I have asked for documents, they will not provide, I have asked for proof, they will not provide- they continue to report 4 accounts on my credit files and these accounts are not proved to be mine. I am fed up
Consumer complaint received 2019-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Ten years ago when i graduated form XXXX school. i did applied for income repayment program but I was denied multiple times. They told me that I don't/did n't qualify for income based program, which is not true. for the past 10 years i worked at a XXXX organization and if they had qualified me 10 years ago my student loans would have been erased under Public Service Loan Forgiveness XX/XX/2019. But they ( salliemae/navient ) denied me and i would like ti sue them. 

XXXX XXXX, XXXX, XXXX email : XXXX phone : XXXX
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I previously disputed this alleged debt with collection agency and CFPB, Claim # XXXX, and the collection agency agreed to delete negative reporting. XXXX XXXX XXXX is again attempting collection activity without proper verification, or any new documents verifying I am the debtor.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Victim of XXXX scam. Bank of America phone number contacted me and some scammer intercepted the phone number and posed as Bank of America rep ( I heard the Bank of America holding music ). Said I was doing a XXXX reversal but it actually send my money to someone else. I called Bank of America and reported it and they would not give me any money back. It was XXXX and I saw articles about this scam online. They said they can not help me me it will be months before money will possible be given back to me.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-12-16
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. (NC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXXXXXX 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 2021-07-23
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: Colony Brands, Inc. (CA)

I am a victim of Identity Theft. I notice on my credit report that there was a collection for Swiss Colony in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to Swiss Colony and it still showing on my credit report. WHY????

I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit
Consumer complaint received 2019-07-28
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. (LA)

I have sent multiple request that accounts on my credit report be verified because these accounts were never opened by myself and aren't mine. Also, Experian has several late payments posted which caused my score to drop 135 points and I have 100 % on time payment history and no accounts in bad standing. I HATE EXPERIAN!!! Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX system.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX I visited a dentist to have a XXXX. The dentist had a plan for me to redue my complete mouth cost XXXX. they said I could get a care credit card for part of the cost. The next day XXXX XXXX I went to have my XXXX they scared me said my teeth were XXXX and I could have a XXXX XXXX. I agreed to the XXXX and signed what I thought was a electronic signature machine for the dental insurance. They again pushed for care credit I said NO I said call my wife and she said No.She said just XXXX and at a later time when I felt better maybe I might do more. When I got home she looked at the paper then was a sales draft for care credit dated XXXX XXXX. On XXXX XXXX, my wife called and canceled the card. The next day my wife verified the card was canceled and they had not paid any money. I filed a fraud form with care credit and sent a letter of explaination. XXXX XXXX I received a letter saying they paid the dentist {$3000.00}. The card was canceled but the dentist got it re instated, how?????
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have been an XXXX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Wright & Lerch Attorneys At Law (IN)

I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. 

During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. 

When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. 

Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. 

In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. 

Diversified will not remove this from the credit report and XXXX claims they can not help. 

We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. 

We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. 

XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. 

At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. 

Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. 

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NY)

At the advice of legal counsel I am submitting this complaint again with the new developments that have occurred. I had an account with MoneyLion that is now paid off but is still being reported as " currently 90-119 days late '' on my XXXX credit report, 90 days late on my XXXX  report and 30 days late on XXXX. As stated in my previous complaint, I was under the impression that MoneyLion had me on a payment plan to prevent an ongoing past due status. When I made attempts to make payments, MoneyLion would bill my bank for {$36.00} over 5 times on the same day, which caused me over {$300.00} in overdrafts fees on on occasion, and {$100.00} on the second time it occured. Due to MoneyLion 's failure to provide me with a proper statement, or send proper communication regarding this debt, I never had any idea of the account 's status. After my previous CFBP complaint, MoneyLion refused to speak to my on the phone since I advised them I would be recording the call. MoneyLion then stopped responding to my emails which eventually led for me to ask for arbitration to settle this matter. I never head anything back, as you can see in the attached evidence. MoneyLion continutes to cause me harm with this account, as the currently deliquent remarks are preventing me from living a normal life. Especially the 90 day delinquent notation. Incuded is a recent adverse action letter that mentions the " Current 90 days late '' and the " delinquent account '' as reason for the denial. MoneyLion is the only account reporting delinquent on any of my reports and I can not get auto insurance for decent rates because of it ( see attahced ). MoneyLion must  immediately remove all late notations since they changed the status of this account numerous times and each time has no rhyme or reason. This is a shady company and I can only imagine what sort of other usury and falseness is going on with their other customers. I would like to also go on record that I intend to peruse this as far as it needs to go, up to and including legal action, arbitration, etc.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I would like to file a complaint against Franklin American Mortgage Company for the delay in refunding our escrow balance for a loan that was paid in full, under 1024.34 ( b ) ( 1 ) of RESPA. Our loan was paid in full on XX/XX/19 and per the paragraph of RESPA listed prior, the servicer has 20 days to return escrow, excluding public holidays and weekends. The 20 days elapsed yesterday, XX/XX/19, and we have not received our escrow refund.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CT)

I told them I could no longer afford to pay the monthly minimum. And after about 5-7 calls, being on hold for over half hours at a time, they finally told me I could pay {$55.00} a month, with a XXXX XXXX  interest rate. THERE WERE ALSO MULTIPLE ISSUES WITH MY CHECKING ACCOUNT WITH THEM.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.