davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-10-30
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the Equifax data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my today 's attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraud items : 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 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 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 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 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 2021-10-15
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. (CA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and Transunion, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount 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 2020-10-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (WA)

On XX/XX/XXXX I co signed on a car loan through credit acceptance. But in XXXX to my understanding XX/XX/XXXX I believe it was voluntarily repossessed by the other applicant. During that time the car was sold at auction and the balance to my understanding was left at XXXX. I have NEVER been contacted by credit acceptance until I reached out XXXX of this year and asked why not only was I NOT notified about the XXXX it had accumulated in interest charges but when I asked what I could do to get it taken off my credit I was told they could take it off for XXXX that same day or I could finance another car with them. I tried to get answers as to why I was never contacted about the debt and all I was told is they reached out. The only proof I was sent was a copy of the original contact. Im very upset because they have also updated my credit report several times with incorrect information in order for it to look like a new debt and allow more time for them to force me to pay whatever amount they ask. All Im asking is for someone to review the information. I am entitled to know of any debt in my name within a timely matter. They shouldnt be allowed to wait 5 years and then ask me to pay XXXX and never give me a chance to confirm the debt or allow me to make payment arrangements when the debt is in collections from XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX ( XXXX : {$3100.00}, late payment ) XXXX XXXXXXXX  # XXXX ( XXXX  : {$4000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$20000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$4500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$5500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$5500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX  # XXXX ( XXXX  : {$12000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$340.00}, late payment ) EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I send in the monthly payments they are holding them for up to three months before apply the payment and then adding additional fees inspections ( not sure who or what was inspected ) and change of the payment amount from {$1100.00} in XXXX to {$1600.00} on XXXX. There numbers do not add for the changes monthly. The late fees are not true for all payments are sent certified mail to make sure they are in and Certified check for payment. Not sure what the inspections fee are for? This company is a problem and does not respond.
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (TN)

I recently obtained a copy my credit report SR & Association continues to violate my rights according to Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. I have accounts that I did not authorize. I have attached a copy of mhy FTC and ID.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i hate to do this i like this bank but on card ending XXXX there are 2 unresolved issues. 
I disputed and redisputed 83 from XXXX i had a filthy car with mechanical problems i called the week i had the car in XXXX late til XXXX no one responded i want half my money back esp during a pandemic this is unacceptable. then the XXXX dollar charge from XXXX they had price matched me said they would send me proof of chat promising refund that i do not have proof of. so i want to REDISPUTE XXXX  hautelook and XXXX for a total of XXXX dollars. I did submit by email on line a redispute for XXXX dollars but did not receive a sheet for the XXXX dollars for XXXX. I need both redisputed
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (MO)

XXXX XXXX XXXX of XXXX XXXX Nevada, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX : ( XXXX ) XXXX, received my account, # XXXX from a XXXX, XXXX XXXX XXXX XXXX for services rendered. After making several payments I fell behind and debt was referred to Quantum Collections for collection. Quantum received my account from them in XX/2015 The amount of that debt was originally approx {$1200.00}. Quantum Collections never attempted to provide any written documentation to me and has been adding fees and interest since this time. I only found out about this debt with the collection agency after checking my credit report. After continuing to monitor my credit report, I realized that Quantum has been increasing my debt owed monthly. My current balance with Quantum Collections is {$1400.00} At no time did I ever sign or verbally agree to any interest either with XXXX XXXX or Quantum Collections, nor did they provide any documentation to me detailing an agreement, or their receipt of my debt.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

Amerifinancial solutions have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed, false reporting collecting on behalf of another collection company and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Amerifinancial solutions. Amerifinancial solutions does not have a certificate of Authority to do business in Alabama. Amerifinancial solutions have not sent me a dunning letter but they have put a fraudulent account on my credit report.Amerifinancial solutions do not have the authority to collect any money from me.Amerifinancial solutions is guilty of racketeering, forgery, and obstruction of justice.Amerifinancial solutions is in violation of the FDCPA and FCRA Violation of XXXX XXXX XXXX ( XXXX ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I attempted to dispute with Experian my social security number and inaccurate address reporting on XX/XX/2021 at about XXXX and spoke with a " XXXX ''. I have accounts currently being disputed via certified mail and included in those letters, I have a copy of my driver 's license and social security card. So every credit bureau has my driver 's license information and social security card information. I asked that he correct my social security number and he continued to speak on a specific account on my profile I was no longer inquiring about. He sounded half asleep and disinterested in this situation. This is an important issue and I felt he didn't want to help me. Only after asking me 5 times what my issue was and me telling him all 5 times what the issue was, did he finally submit for a dispute of my social security number. I began telling him my address was incorrect, and he proceeded to say, " What's the problem now? '' At this point I asked him if there was someone else that could help me that wanted to actually help me because it seemed as if he wasn't interested? He responded back saying that if I wanted to dispute anything on my credit report I needed to submit online another dispute, and I reminded him as I did in the beginning of the conversation that online doesn't allow me to submit a dispute for my social security number or address and that it tells me I need " special assistance with this matter '' and to contact the number listed. He got quiet, and I asked him his name. After ignoring me for a good minute and twelve seconds, I asked again what his name was, and asked for an ID number. He told me his name was XXXX and he didn't have an ID number. I told him I'd call back and speak with someone who wanted to assist me because he isn't trying to. I hung up.