davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (MD)

I submitted a complaint ( XXXX ) in regards to AMERASSIST A/R SOLUTION on XX/XX/2021, the status of the complaint was updated and sent to the company on XX/XX/2021. It has now been an entire month and 6 days and I still haven't got a response from the company. However, AMERASSIST A/R SOLUTION has continued to furnish information about this alleged debt on my consume report, which tells me that their debt collection business is still up and running. I am sure I am not the only consumer who has complained about their practices and I want to get to the bottom of this matter once and for all. 

When I first disputed the validity of the alleged debt, AMERASSIST A/R SOLUTIONS sent me a " RETAIL INSTALLMENT CREDIT SALE CONTRACT '' that reads in fine print " this is a consumer credit transaction ''. So in other words, YOU ( AMERASSIST A/R SOLUTIONS ) are saying you gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates. 

Secondly, AMERASSIST A/R Solutions is furnishing an alleged debt on my consumer report but failing to report it as disputed ( refer to attachments ). This is a violation pursuant to 15 usc 1692 ( e ) ( 2 ) ( a ) - " the false representation of the legal status of a debt ''. The legal status of this alleged debt should be listed as " disputed ''. Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector ( in this case, You ) is SUPPOSED to obtain VERFICATION, not validation of the said debt.

This account is listed as a derogatory mark and decreases my chances of extending any further credit to myself. YOUR ( AMERASSIST A/R/SOLUTIONS ) collection practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct, the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. You have most certainly tried to keep me in a hardship and I don't appreciate it. 


Furthermore, I do not know this company and have never done business with this company.
Consumer complaint received 2020-01-27
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. (NC)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did not receive notification that there was any sort of serious issue, or that my account needed immediate attention or that my account was going to be permanently closed due to nonpayment. I have tried reaching out to capital one and all they will keep telling me is that they sent me emails, the only email I have is notifying me of a returned payment, which I then re submitted the payment. I received one text message asking if I had recognized a payment, I didn't and told them no, all that text says is that they are going to temporarily stop my card, report and send me a new one ... .. That's all ... .. nothing about completely closing my account, which affects me negatively!! I have always made my payments!! All capital one wants to tell me is that they have policies and procedures, I understand that but there wan not effective communication.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred.
Consumer complaint received 2022-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

On XX/XX/XXXX Nelnet received my cease and desist letter pursuant to 15 USC 1692c ( c ) and also received my debt validation request pursuant to 15 USC 1692g. Nelnet has 30 do to provide required documents pursuant with federal law. If documents are not received within the specified timeframe, Nelnet will be in violation of the FCRA and FDCPA and the alleged debt must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2022-01-21
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: Navient Solutions, LLC. (TX)

I sent a letter asking for the requesting the original instrument of indebtedness in its original form, Navient went on to blatantly NOT honor my request and also ignored me all in all. A Non-response is a violation of the FCRA specifically under section Section 611 Part ( A ) ( 1 ) of the FCRA. I intended to sue NAVIENT if these accounts are not removed from my credit report. I've included my 1st letter ; requesting the original instrument of indebtedness in its original form. Also a non-response letter ... In which Navient has NOT responded to either although they've signed for my letter 's as I've sent both through certified mail to ensure the deliveries of my letter 's. It's obvious that Navient is breaking federal laws and I intend to sue and show the courts the wrong doing 's of Navient should these accounts not be removed from my credit report in a timely manner. Navient also did not give the credit bureaus a notice of the dispute which their required to do so according to the FDCPA section FDCPA Section 807 ( 8 ). I've attached everything as I've kept good records of this entire process. 

I'll also include my SSN and Driver 's license to speed up the authentication process.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

Credit Collection Serv. ( Account # XXXX ) has reported a collection account to both XXXX and XXXX without allowing me an opportunity to request validation of this alleged debt, which is a violation of my consumer rights under 15 U.S. Code 1692g. I was never provided proof that this alleged debt belongs to me, the name of the original creditor or that the amount of this alleged debt is correct. I have sent in multiple validation request letters to Credit Collection Serv, and I have yet to be provided with validation of this alleged debt. This alleged debt is unfamiliar and to my knowledge, unvalidated. I have also tried disputing this account with XXXX and XXXX on multiple occasions and each time my dispute results have come back as " Verified ''. This is frustrating to me because my consumer rights are clearly being violated and the collection company has yet to respond to any of my validation requests, but XXXX and XXXX have continued to report this information as accurate on my consumer credit file.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 2023-01-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC. (WA)

I opened an Ally CD account on XX/XX/2023 with $ XXXX funds. The day after, I realized I opened a wrong CD type : I wanted to open non penalty CD because my last experience with Ally non penalty CD was great, but I actually opened a fixed XXXX term CD. At that time, the $ XXXX funds were not deposited yet and the CD has {$0.00} balance, so I contacted Ally customer service and they are willing to close the account for me.

However after waiting for a week, I noticed the account is still not closed and the funds were also deposited into it. I contacted Ally again and this time they said I'll be charged {$200.00} for closing because I have $ XXXX in it, that's is estimated 2 month interests. 

I was shocked and feel being tricked. They claimed the account was closed but actually waited until funds being deposited, then told me to pay penalty. That's a terrible idea of earning money. 

I didn't have choices, so had to close and pay the penalty as they wish.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (TX)

I am receiving debt collection notices from NPAS Solutions LLC. 
There is a number XXXX to call. But when I call this number they say this is not correct number. 

The debt is about a Medical Bill from XXXX XXXX XXXX XXXX for {XXXX} ( service date XX/XX/2020 ). Which they say I need to pay. Although this bill should have to gone to my insurance company. They did not sent it to insurance company even though I provided them with my insurance information. Now they say then can not send it to the insurance company because it is very old. 


Thanks, XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX  XXXX
Consumer complaint received 2023-05-19
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-03-28
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. (KY)

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to Transunion, XXXX and XXXX. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my 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 XXXXXX/XX/year>
Consumer complaint received 2022-01-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (WA)

Mortgage company thought the home insurance that they are to pay on our home didnt get paid. So they purchased more insurance when in fact it did get paid. They then raised our mortgage from {$680.00} to {$1000.00} a month. I called and asked why they did this and was told it was due to the taxes being raised on the home. I called the assessor to see how much the taxes went up and they told me {$120.00} A YEAR! I had also before any of this happened filed a complaint through your office in regards to them saying they would not help us through Covid. They said they never said it but they did say it to us. So any how the raise in our monthly payment went up {$400.00} a month for our taxes going up {$120.00} a year. They do nothing but harass us. My Wife and I both had XXXX  and they would still harass us even while sick. On the very month that our mortgage was raised they did not tell us and I made a normal payment of {$680.00} thinking it was paid in full. However, they did not even let us know about the increase in our mortgage til the next month. So they put the {$680.00} in escrow saying we are behind on our mortgage. We pay them every month! I had made arrangements with them that I needed to pay on the XXXX of each month due to how I get paid. They agreed at first but every 2 to 3 months it goes back to the XXXX its due. So once again I have to call on it. This has happened several times. The raise in our mortgage never should of been raised in the first place. I also had told them that right before the Covid hit I had a severe XXXX that put me out of work for a while, u til I could recover. However, the mortgage still got paid every month. So in my case it was a double hit on my health. I was sent to a recovery hospital where I had to learn to walk again. But like I said mortgage was always paid. May of been late some times but paid - Recently they sent us a certified letter saying Notice of pre foreclosure options. Why?! The letter didnt even state why or what it was in regards to. Just a letter of foreclosure options. As if we didnt already have enough to worry about! This company wont stop! Our mortgage never should of been raised over {$400.00} a month for a {$120.00} tax raise that is per year! Please help thank you. XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.