davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have XXXX unauthorized hard inquires on my credit report. I contacted Transunion filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called XXXX lenders like they asked. Please removed these inquries
Consumer complaint received 2019-03-22
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: CITIBANK, N.A. (NV)

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add citicards@info.citibank.com to your address book to ensure delivery. 

Your Citi Credit Card Application Status Your Citi Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a Citi credit card. Your application for the Citi Card was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
https : //www.accountonline.com/cards/acq/CardApplicationStatus.do? screenID=XXXX & applicationID=XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... Citi We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I logged in online to send a payment via chase website through XXXX. I attempted to send funds to someone that has had transactions with me before. Chase immediately felt it was suspicious activity, so they text and called me to verify and I regained access. I tried again to do the transaction, and they decided to not allow me access online, and block my whole account. Upon calling, they expected me to go to a branch with 2 forms of ID. I just gave birth, but went anyway. Even after giving the ID 's I'm still blocked! I can't log in or get any access whatsoever into my account. The bank is holding my funds hostage with no idea when they will release my money!
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Last XX/XX/2018, I sent a letter to this company as part of my rights to request debt validation. I clearly stated on my letter that I am not asking for verification that they have my name and address. I clearly requested that the account XXXX be verified and validated by providing me debt validation documents. It is now XX/XX/XXXX and MORE THAN 30 DAYS had already passed an I still have not received any proper validation document from this company which clearly is a violation of FCRA and FDCPA.
Consumer complaint received 2023-01-11
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: CORELOGIC INC (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO 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 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (FL)

XXXXXXXX XXXX case # XXXX. 
Account # XXXX XXXX XXXX  is charging me {$350.00} for a service I cancelled and was not using. I have reached out to the company on multiple occasions. 
I am currently contacting the police to get data from the XXXX XXXX towers. To show that their wifi has not been in use. I am contacting my brother who is in XXXX to provide proof of when he started service with XXXX  at our home. I am also waiting on XXXX to send the billing statements as a courtesy to show proof that I never missed a payment since 2017. I also have an email proving I said to cancel and also a shipping label that they sent out for their equipment, yet I was still being charged for this account. No one cares to assist me with this issue at the XXXX XXXX company. They stated to me we dont see a cancellation call request. Despite of all this proof and evidence. Im escalating it now. This {$350.00} is an unjust charge.
Consumer complaint received 2018-05-03
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. (CA)

I have disputing some incorrect information on my Experian credit report 3 time on report number XXXX and XXXX and XXXX each time I received a response back in 2 weeks. Each time the failed to properly investigate and sent back items were updated. I have read and followed FCRA to get an proper investigation but, I have failed to get a proper investigation. My 1st letter I sent in asking under FCRA section 609 ( 5 ) ( A ) to delete all unverifiable information that was discovered on my credit report. The second letter I ask under ( 609 Disclosure to Consumer ) My file documents Experian used to verified my accounts. They have failed to correct after 2 attempts. This is a voilation of The FCRA.

The 1st error is my XXXX XXXX account they have it listed as a charge off account. This is an error XXXX  is reporting it correct as a apaid as agreed account. I dispute this with the furnisher and they email me back stating that is not a charge off account. I have been trying to get Experian to correct this mark. I have attached the email XXXX dispute department sent me to prove this. I sent this email into Experian and Experian refused to correct. 2nd dispute XXXX XXXX XXXX they are showing a 30 day late payment in XX/XX/XXXX i disputed this error. Now XXXX XXXX and XXXX all reporting no 30 day late payment. I sent copies of the other credit reports and show you are the only credit report showing this late payment. They still have not changed the status. 

The 3rd error is XXXX XXXX I am disputing this account and ask for my file Under 609 Discclosures to Consumer asking for file to verify this account. Experian sent me back saying updated all Experian did was move the charge off date from XX/XX/XXXX to XX/XX/XXXX just shows they are not properly investigating any information on my report. 

The 4th and last item XXXX XXXX this is an error again I ask for my file disclosures they used to verify this account they have failed to do so. How does the cunsumer get the credit reporting agency to investigate your information. I ask Ask them to remove an address I have never lived at a PO Box address they refused to remove. I askThe are not suppose to be parroting information but do an investigation to make sure they are reporting correct information. Please help in this matter
Consumer complaint received 2022-08-26
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Portfolio Recovery Associates have been using countless phone numbers in pretty much every state to call me about a debt they claim I owe several times a day. They sometimes call before, after, or at XXXX MDT and never leave a voice mail message. They also call a different number I have in the same manner. Most of the old debts that were still on my credit reports last year have become charge-offs. I have no idea why they're constantly calling me. It's like they're trying to get me on the line and badger about some debt I don't actually owe. 

The phone calls have become harassing and senseless. I have blocked what seems like hundreds of numbers from them. Every time I block those numbers, they call from other numbers. PRA called today XX/XX/18 at XXXX MDT and left no voice mail message. Many of the complaints on CFPB and other sites list the same issues that I have. They are also referred to as a " bottom-feeding '' collection agency because they buy up old debts for pennies on the dollar and try to collect. They also try to collect on old debts that have since passed the states statute of limitations.
Consumer complaint received 2022-02-18
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. (NV)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

This is a continuation of my complaint : XXXX. 
2 times my request for a recalculation of my IBR has been rejected, both because of my wife 's self-certifcation letter. The first letter we submitted used exactly the same language as a letter that was accepted last time we did this. Both times the letter was rejected, the initial email did not say what was wrong with it. I had to call back for that information. The first time the letter was rejected it was because we did not explicitly state that it was " gross '' monthly pay. They mentioned no other issues. We fixed that, and the second time it was because the letter doesn't explicitly say " XXXX '' -- it only said " XXXX XXXX XXXX XXXX. '' Both times we have responded very promptly with amended letters. Our last amended letter was submitted on XX/XX/XXXX. Your website now tells me I shouldn't expect another response from XXXX  until XX/XX/XXXX. I called last week to see if this could be expedited under the circumstances. They couldn't tell me if it was going to be expedited - given that I haven't heard anything, I have to assume that this very reasonable request has fallen on deaf ears.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

This letter is a formal complaint that you have reported erroneous and incomplete credit information. I am concerned that you have included the following information in my credit profile and have failed to follow reasonable processes in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting rules require bureaus to provide only 100 % correct credit information. Every step must be taken to ensure that the information supplied is entirely accurate and proper. As a result, the following information requires more investigation.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

NATIONWIDE CREDIT & CO reported a collection on date XX/XX/XXXX and the last reported was on XX/XX/XXXX for the amount of XXXX XXXX that i never owed to that company and is charging me for this.
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

I took out a payday loan for real I recall maybe three I kept getting harassing emails that I was going to go to jail if I didnt pay right now Im paying a total of 11 loans every two weeks ranging from $ 100-  {$50.00} I want to know is there a way I could find out how many loans I have outstanding as I dont Recall and in drowning in debt I have a husband is disabled and I cant remember ever having 10 loans please assist if you can
Consumer complaint received 2018-05-03
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. (CA)

XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXXs ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from XXXX - " The information disputed has been verified as accurate. '' I spoke with XXXX on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to XXXX and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why XXXX can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from Transunion dated XX/XX/XXXX - didn't change anything - " verified as accurate ''
Consumer complaint received 2019-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2019 Nissan finance called me at work. Never attempted to call my cell phone. Advised me I was 11 days past due. I told CSR I had made a half payment 2 weeks ago and I was going to make the other half XX/XX/19 but please do not call me at work. I made a full payment on XX/XX/19 online early that morning. At XXXX they called me at work again to collect this debt. After a full payment had been made online and i am currently a half payment ahead. This is harrasment. I have a clean pay history with Nissan. I have 2 vehicles financed through them and have been a long time customer. I advised the CSR that called me this morning i would file this complaint.
Consumer complaint received 2018-05-03
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. (GA)

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-  XX/XX/XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2018-05-03
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. (GA)

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXr-XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX