davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
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. (MA)

Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This company Midwest Recovery is trying to collect {$1300.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Midwest Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midwest Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Midwest Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2017-05-31
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)

I notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting act XXXX, # XXXX has violated my rights. 

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
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I have held the account in question for many years. In XXXX of 2018, two questionable charges appeared on my account ( {$36.00}, and {$70.00} ). Beginning  immediately, I placed calls to the Bank. The first call never allowed me to speak to a person. Subsequent calls amounted to long, convoluted, insulting, non-productive conversations with Bank representatives ( during which, " a supervisor was not available '' ). I then initiated efforts to obtain documentation of the charges via letter - sending three such letters, on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The only response I received amounted to form letters asking for " additional information '' and inviting me to call the Bank again. Documentation of the referenced charges was never provided. The Bank has added fees to each monthly statement. Furthermore, the Bank has submitted negative information relevant to my account to credit reporting bureaus.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

This company Ad Astra Recovery is trying to collect {$1500.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Ad Astra Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ad Astra Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Ad Astra Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have been on an income driven repayment plan for the past 5 years and was recently told that the last 2 years of payments have not counted towards the 120 payments required for public service loan forgiveness plan which I am also enrolled in. There has been no adequate explanation for this. I was initially told that the payments were not for the complete amount charged, however I'm on an auto payment program with no notification of any late payments or inadequate payments. The listed amount has been withdrawn from my account monthly and automatically. In the same conversation with a representative on XX/XX/19 I was then told that there is a " paid in advanced status '' listed on my account which precludes the automatic payments from being counted. Again, I am on an auto pay plan and have not paid anything additionally or in advance. Each time I call the customer representatives are not able to provide any detailed information and tell me that they will submit my account for review by the Treasury Department. This takes months at a time and nothing I receive back has any explanation, just the same " qualifying payment counts. '' I have not ever been able to speak to anyone who has any power to help me with my problem. I have made several requests over the past few months related to this problem. Answers I receive are always different. I feel totally helpless without recourse. Also my loans are broken into 19 distinct loans and I was given a total combined monthly payment which again is on autopay. I have paid the allotted amount given to me ; however some loans are being considered to have fewer payments counted than others. If I was in repayment for all of the loans, which I have always assumed I was because I receive one bill and not 19 separate bills, then why are some loans being counted and not others? No one at Fed Loan has been able to answer this question. Again, I get the same answer that my account will be sent " for detailed review '' but then nothing happens. Please please please help, I feel like I am screaming into a XXXX void, I have not idea what is going on with my loans and am totally at the mercy of this servicer who provides me no documentation of anything.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In the first dispute letter I sent to Equifax I stated : According to 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Equifax never validated the debt, now they're saying they will not be conducting further investigation into this particular account at this time.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc. (KS)

The company will call me multiple times a day and send multiple emails. Sometimes they will call me back to back within an hour. One representative named XXXX has been repeatedly rude, aggressive and one time denied a payment I offered to make to work towards reconciling my account. I have asked repeatedly that he no longer contact or communicate with me regarding my account, verbally and in writing and he continues to contact me. I have even told management that I do not want him to contact me and they assured me that he would no longer contact me or handle my account. I have made them aware of my financial situation several times and that I will make payments as much as I can monthly. They did not offer to lower my payments, give me a lower interest rate, or anything so I am doing the best I can to make as close to {$400.00} a month payments monthly to them. They have also contacted me for payment during the grace period of 10 days. I want the harassing and excessive phone calls to stop and they can communicate with me in writing or via email, and not repeatedly, everyday. I have just been made aware that this is my right as a debtor and I do not have to be subjected to harassment from a creditor even when I am making efforts to reconcile a past due account. I would greatly appreciate assistance with this matter as the company has been unresponsive to my complaints.
Consumer complaint received 2019-10-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAP ONE AUTO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

My problem is with Freedom Mortgage Co. XXXX XXXX XXXX,. XXXX, Ind. XXXX I have sent additional monies to be used for principle only but they always apply the payments as regular payments with most of the money going to interest. Many phone calls and I never got satisfactory results. I was told I had to send my money to another address but the results were the same. Finally after getting very rude and ugly, I got one lady that helped me. There was approx. {$4800.00} and six payment over a two year period. One payment of {$600.00}, check # XXXX written on XX/XX/2017 was not reversed and applied to principle as should have been. I was told they could not change a payment that far back because there was a Federal Law that prohibited them from making a change to an account with a payment that far back. Many phone calls to Freedom mortgage and I could not get any satisfaction. These people are dishonest. I followed their guidance of writing for principle only on my check and even highlighted it but they always applied the extra money to interest. Can you help?
Consumer complaint received 2019-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citibank closed my account in XXXX and refuses me access. I have been trying again the last few months with XXXX XXXX branch and I have to chase them down and they respond cant find account when I literally give Citibank papers with account number. They LIE.
Consumer complaint received 2019-10-13
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (ID)

Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XX/XX/XXXX ( 35 days post purchase ) till XX/XX/XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a zero balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted XXXX today who informed me that the dispute on the account balance has been denied as Flagship says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My girlfriend applied for a capital one credit card and added my name to her application without my consent. I had no knowledge of this card until an alert was posted on my credit report. I do not use that card and it should not be on my credit report.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (TX)

This company Joseph Mann & Creed is trying to collect {$97.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Joseph Mann & Creed with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Joseph Mann & Creed. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Joseph Mann & Creed. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.