davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (MO)

CommonWealth Financial is falsely reporting on my credit reports in the amount of {$270.00} account # XXXX and its stopping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX  reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation (PA)

First I DID NOT RECEIVE A WELCOMING LETTER FROM CONCORD! Inform delivery shows that the Concord letter was on Saturday, XX/XX/XXXX, was NEVER DELIVERED TO ME!! 
I barely receive mail through the USPS ; my neighborhood DOES NOT HAVE a regular postal person so I signed up for USPS INFORMED DELIVERY so I could see when any mail was coming. This is why I pay EVERYTHING ONLINE, because I do not get my mail timely. 

Mailing my payments could get lost, misplaced be considered late and ruin my credit which is excellent. I haven't mail a letter in almost a year and a 1/2 ; because of the poor service from USPS. 

I'm a senior on a fixed income and emergencies do happen such as the sewer backup then 3 days later the waterheater went out. I DO NOT WANT AUTOMATIC PAYMENTS WITHDRAWN FROM MY ACCOUNT BECAUSE XXXX HAPPENS THEN I HAVE CHECKS BOUNCING. 
I have applied for a loan so I may pay off Concord in full, because your company has caused me XXXX already. Also I mailed my payment on XX/XX/XXXX let 's see how timely it gets there! I had to wait in line at the post office with the Covid virus!!
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rubin & Rothman, LLC (NY)

On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by XXXX XXXX.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I can not tell what kind of debt they are trying to collect on though they did mention a student loan debt. I have no debts to be collected. They are calling my work sometimes 2x a day. I am not answering or responding to their calls. I have looked the number up and they are listed as a scam number. The number they are calling from is XXXX. It is always a live person that leaves the message. I have since registered my work phone number with the do not call list. In that instance, I have to wait for 31 days to be able to report them. I want this stopped immediately. Please advise. Thank you.
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2022 Balance : {$150.00}
Consumer complaint received 2018-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (CA)

Recieved a call from XXXX. The man stated he was from dynamic recovery solutions and was collecting a medical debt from XX/XX/2011. He wanted an updated physical address and payment. He stated that there was a new law that he could attach my taxes and this would negatively affect my credit. He stated he would give me a 50 % discount which equaled around {$650.00}. He gave me a number to call back and stated I had until Tuesday and he would hunt me down if I didnt. He stated his name was XXXX XXXX and callback number of XXXX.
Consumer complaint received 2018-11-04
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. (NY)

I PREVIOUSLY REPORTED TO YOU THAT EQUIFAX IS REPORTING A MACYS ACCOUNT ON MY CREDIT REPORT THAT I DISPUTED ORIGINALLY IN XX/XX/2018 THEY NEVER GAVE THE RESULTS OF THRIR INVESTIGATION SO I RESUBMITTED A REQUEST TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT AGAIN THIS TIME USING YOUR SERVICES EQUIFAX RESPONDED TO YOU ON XX/XX/2018 AND SAID THAT A REINVESTIGATION IN PROCESS ON SATURDAY XX/XX/2018 I RECEIVED A LETER FROM EQUIFAX STATING THEY RECEIVED THE REQUEST CONCERNING MY EQUIFAX FILE BUT THE IDENTIFICATION INFORMATION I PROVIDED DOES NOT MATCH THEIR RECORDS AND TO PROPERLY ASSIST ME THEY WOULD NEED ADDITIONAL INFORMATION TO VERIFY MY IDENTITY AND CURRENT ADDRESS AS I BEGAN TO GET THE DOCUMENTATION READY TO SUBMIT TO THEM THIS MORNING ON XX/XX/2018 AT XXXX XXXX I RECEIVE AN EMAIL THAT THE INVESTIGATION RESULTS ARE IN AND THE SANE ACCOUNT STILL REMAINS ON MY ACCOUNT. HOW CAN THIS BE POSSIBLE WHEN THEY DID NOT RECEIVE THE INFORMATION FROM ME WHICH THEY REQUESTED ON XX/XX/2018 THAT I RECEIVED BY POST OFFICE MAIL ON XX/XX/2018 TO VERIFY MY INFORMATION AND IDENTITY. AGAIN EQUIFAX IS FAILING ME AND NOT PROPERLY INVESTIGATING THIS FRAUDULENT ACCOUNT AND REMOVING IT FROM MY CREDIT REPORT. SOMETHING NEEDS TO BE DONE ABOUT THIS EQUIFAX AGENY THEY ARE FAILING US WITH THESE ILLEGAL PRACTICES OF NOT FAIRLY INVESTIGATNG FRAUDULENT INFORMATION BEING PLACED ON CONSUMERS CREDIT REPORTS
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (PA)

The vehicle was repossessed XXXX years ago. On my credit report showing at the balances are increasing, and that I have XXXX years of late payments from the car was already repossessed and sold at auction.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (TX)

I received a letter from a debt collector, Central Portfolio Control, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to Central Portfolio Control via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Consumer complaint received 2017-07-05
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. (NC)

I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
Consumer complaint received 2018-11-02
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. (GA)

I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
Consumer complaint received 2018-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (TN)

On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

I have received 58 calls in less than a week for a bill thats not even in collections or over 60 days late. I feel its insane to harass me in such a way. I told them I get paid this Friday and the calls continue from several different # s and unknown callers but its all comenity bank.
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

This company Eastern Account System is trying to collect {$350.00} 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 Eastern Account System 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 Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. 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 2018-11-04
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. (TX)

On XX/XX/2018 I checked my Transunion credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below ; XXXX XXXX XXXX # XXXX, Open Date XX/XX/18 {$4000.00}
Consumer complaint received 2018-11-04
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. (TX)

On several occasions I have written to Transunion sending in proper identification and requesting that they reinvestigate the inquiries on my credit report. They have since flatly refused to do so despite several written requests over the last few months. My wallet was stolen in XXXX, Texas two months ago and I have placed security freezes on my credit reports with the other two credit reporting agencies and they have both complied with my request. 

Transunion continues to refuse to reinvestigate these inquiries and are in violation of the Fair Credit Reporting Act
Consumer complaint received 2018-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (TX)

This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. 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 2018-11-04
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 am writing this due to non-compliance with the CRA Experian They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Information sent to Experian Please find attached and circled the item that I an at present questioning. It is to be noted that the item in specific may be affiliated with personal information that you have remove prior. See attached
Consumer complaint received 2022-07-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CO)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXXXX/XX/2008
Consumer complaint received 2018-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I received a copy of a letter from Wells Fargo dated XX/XX/XXXX sent to my attorney and the CFPB. In their response, they included exhibit documents A, and B for the CEMA. CONVENIENTLY, they choose not to include the attached Exhibit D in their 71 page response. This document shows a notary stamp and the notary 's signature of the document. This document, Exhibit " D '', was never signed by myself or my wife.This proves that the notary was not present at the closing, and notarized all the document afterwards.This brings into question any of the other signatures on other forms, and that other documents were falsified after the " closing ''.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Unverified information on my credit report XXXX and TransUnion I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to XXXX and TransUnion 2nd letter was sent on XX/XX/18 to TransUnion and to XXXX it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to XXXX and 3rd letter to TransUnion was sent on XX/XX/18
Consumer complaint received 2023-03-21
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. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} DISCOVERBANK XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX