davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2018-03-01
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. (GA)

I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I paid the XX/XX/2019 credit card installment of {$100.00} but Citi has not credited it to my account and has harassed me with some 6 telephone calls in 1 week! Citi maintains no office for payment!
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services (NC)

Lendmark Financial continues to harass and send documents labeled as NC XXXX XXXX via XXXX. Is that not considered as fraud? For the previous telephone calls were harassing. Some employee called from their personal phone and then blocked the phone number whenever I tried to call back. The culprits are XXXX, XXXX and XXXX. I am not one of their backwoods customers with a low education level. I will be requesting a telephone log from XXXX to show proof of the amount of times that I was called and also, a request for $ XXXX- {$1000.00} per harassing telephone call. These people need to be approached and held accountable. This has been reported to the credit bureau, even when I caught up my payments, they reported me as still owing back payments. Fraudulent practices! A federal crime was committed by them when using a federal institutions name on a package with their documents inside. XXXX NC does not carry a zipcode of XXXX, nor would a representative come to XXXX NC to mail a packet!
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (TN)

I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's  and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.
Consumer complaint received 2022-04-29
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. (VA)

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 # : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID XXXX XX/XX/20 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 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion several times on XX/XX/2021 - XX/XX/2021 about a dispute that I mailed to them Certified Mail through USPS on XX/XX/2021, tracking number XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/2021. They stated that they had the dispute and it would take 5 business days to show that it was in process. It still does not show that it is in process. I dont even think they are re-investigating. Every time i call they give me the same answer which is that they are working on it. If i understand correctly, this should be showing on my credit report.
Consumer complaint received 2020-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I was contacted by Navient back in XX/XX/2020. Navient told me my loan was fixing to be due. They told me I had to consolidate my loans in order to get Public Loan Forgiveness. So, I filled out the paperwork for the consolidation and the Public Loan Forgiveness, ( PLF ) documents. I sent the PLF forms in to the Department of Education and it was approved. I also filed the consolidation paperwork online as I was told to do so. I then found out yesterday that my PLF working dates ( which are numerous years of XX/XX/XXXX ) would start over because I consolidated my loans. I called Navient and explained my situation. I told them I wanted to stop the consolidation so that I could get the loan forgiveness. Navient 's representative told me again I had to consolidate in order to get PLF, which was not true in my particular situation. He then told me I could not get the consolidation reversed because it had been over ten days. I called the Department of Education back and they said that Navient could reverse the consolidation loan. I called Navient back and they said they would put a note on my account but it probably will not work because of their ten day acceptance policy. Please help me figure out how to get this resolved.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

The check was written out to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX loan payment and was mailed on XX/XX/XXXX. Later on XX/XX/XXXX we got call from XXXX XXXX XXXX  about check not being received. Upon checking our account it showed that the check was cashed and deposit on XXXX XXXX we contacted our bank XXXX and they filed a forgery and fraudulent complaint. They were able to locate the bank that the fund got deposited into and contacted the bank. 

As of today XX/XX/2021, we haven't received anything from TD bank so we would like to file a complaint against TD bank for accepting the check not payable to them and allowing their customer to deposit into their account without further inquiry.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

Discovered an unauthorized transaction and line of credit created when applying for a loan. Demanded the company XXXX report it as fraud and take care of it. Since XXXX they have refused. I applied for a loan and saw it again on my credit report and was denied a business loan because of it. I have disputed on all other credit agencies and they have complied only experian and XXXX have yet to follow the law and undue the damages of fraud and unauthorized opening.
Consumer complaint received 2021-08-14
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: Frontline Asset Strategies, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FRONTLINE ASSET STRATEGI Original Creditor : FRONTLINE ASSET STRATEGI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on FRONTLINE ASSET STRATEGI 11 XXXX XXXX XXXX Original Creditor : FRONTLINE ASSET STRATEGI XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-01-10
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. (PA)

Equifax, XXXX, and XXXX are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter that said I owe XXXX dollars to XXXX on XX/XX/2019, and the company collecting is Convergent. I do not owe anything and my XXXX account is in excellent standing. I have never owed XXXX any money before so this is a false debt.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.