davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I filed numerous complaints for First Federal Credit Control in regards to a account of {$800.00}. The collection agency has not presented any documentation as evidence that I legally owe this alleged debt. First Federal Credit Control has provided a itemization of charges which is not what I requested and also a signed authorization form to release medical records which also not what I requested. I requested a signed contract or instrument bearing my signature proving that I legally owe the debt. The collection agency responded stating that there is no provision in the FDCPA to provide the signed document. However, under the FCRA, section 609 ( a ) ( 1 ) ( A ), the CRA are required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts they post on a credit report. Also under the FCRA, unverified accounts must be removed and if the copy of verifiable proof is not able to be provided, they must remove the account. I have been requesting a contract bearing my signature because it is by federal law that one is verified by the CRA to prove that I legally owe the debt. If a signed contract can not be presented to me then one will need to be presented to the CRA by law. If a signed contract can not be provided to CRA then this account needs to be removed under the FCRA. The collection agency has already openly admitted to not having a signed contract to legally prove that I owe the debt but refuses to remove the account which violates the FCRA. Under the FDCPA it states that collectors are not allowed to give inaccurate information about the consumer. I filed numerous complaints about the CA providing inaccurate and incorrect information previously presented to me in a form of a invoice. However, the account was still not removed for its inaccuracies but instead changes were made to make me the only party involved which violates the FDCPA. The collection agency has been non compliant with my requests. They violated HIPAA by presenting documentation including my mother who has no relationship to this account. They violated the FDCPA by presenting documentation with inaccuracies and also violated the FCRA by not having a signed contract bearing my signature. As a consumer I still have rights to privacy and fair practices.Collectors must abide by the FDCPA and are not allowed to treat consumers in any way that is unfair.
Consumer complaint received 2022-09-12
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. (MS)

In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.
Consumer complaint received 2017-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ) and Fair Debt Collection Practices Act ( 15 USC 1692 ). Pursuant to federal law 15 USC 1692g, I have requested in writing a validation of debt from Wells Fargo. Wells Fargo has received mail from me, via USPS certified mail, requesting validation of debt, including name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, alleged account #, amount of debt, data ( this alleged debt became payable ), date of original charge or delinquency, was this debt assigned to a debt collector or purchased?, amount paid if debt was purchased, commission for debt if collection efforts are successful. Additionally, I am requesting a signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector, any agreement that bears the signature of debtor, wherein agreed to pay creditor, all statements while this account was open, and have any insurance claims been made by any creditor regarding this account? In addition to the validation of debt requested, I am also requesting the GAAP audit trail. Please see the attached form for what was mailed to Wells Fargo. Wells Fargo also received colored copies of my SSN #, copy of Passport ID, and electric utility bill showing address. It is my hope to settle this prior to proceeding with legal action. However, if this is unable to be resolved, I will proceed with legal action.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

Hi my name is XXXX XXXX I have an account with TD joint with XXXX XXXX. We applied for a loan and TD bank wants to return it the XXXX when this was a personal loan of XXXX dollars. They have my account frozen now for a month. They told me that the lender that gave us the money is asking for the money bank I asked them if I may have a copy of the email and they said no. I called the XXXX that gave us the money and they no they are not asking for the money that why will the bank say that to us. We need help before we loss the money and still have to pay it back.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Have been using paypal as a online bank to sell on XXXX and other online marketplaces for years and never really had a problem besides going through a legal verification process which i supported and provided personal documents and invoices of current inventory. Now on XX/XX/20 I woke up to a email from paypal saying my account was " permanently limited '' due to a policy violation + my money would be on hold for 180 days and they would email me after the 6 months is up about how to withdrawal the funds. 
Called them up right away and spoke to XXXX from the limitations department who would've been able to release my funds..they wont describe further details on the policy i violated and she didn't understand either why it was placed on the account..unfortunately she was only able to tell me that i can file a subpoena to have a review on the case but never said how to do so. Anyway I have {$3600.00} on this account that I need desperately in times like this. I have a XXXX XXXX XXXX daughter who depends on me and If i cant get those funds fast enough i am going to be in deep trouble. Please help.
Consumer complaint received 2018-06-24
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. (CA)

I have a collection account reporting wrongfully as a re-aged account on XXXX and Equifax bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX DELETED UPON PROOF OF RE-AGING.

If XXXX AND EQUIFAX READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... ..

they should be able to delete the account without any further lies from their subscriber.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Back in 2013 i suffered from identity theft I had XXXX XXXX XXXX cards that I made payments on. My cards was stolen and maxed out. it has now been 3 years and im still suffering from this. I have been disputing these XXXX cards off my credit report and only XXXX has removed them. XXXX ans Experian has refused to try to assist me. This has been so stressful my credit sucks I do n't qualify for anything and i just need some help. This has caused me many sleepless nights. grey hairs XXXX XXXX XXXX. Every time i dispute with experian they say verified verified by who. Im not rich i make a modest living i have rights. this is against the fair credit act. Every time i have called Experian they have been nothing but rude and unwilling to assist me, I 'm even enrolled in their fraud alert but they still wont remove these items of my credit report report.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

This is a complaint reporting credit services. All my personal data was accepted, but did not get an email or to print it. I need my XXXX free credit reports XXXX. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This the ground for removal they also violated my rights under 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 agency can not furnish a account without my written instructions XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. TN CHILD SUP # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) # XXXX XXXX XXXX XXXX  XXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want XXXX XXXX per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a loan under Countrywide in XXXX in MY NAME ONLY, XXXX XXXX XXXX XXXX My mom was on title, XXXX XXXX XXXX . She lives in Ohio and I live in California. Under these 2 class action lawsuits XXXX XXXX XXXX XXXX Class Action Lawsuits are Waldrup v. Countrywide Financial Corp., et al., Case No. XXXX, and XXXX, XXXX XXXX XXXX   Countrywide Financial Corp., et al., Case No. XXXX, both in the U.S. District Court for the XXXX District of California money was sent. However, it was sent to my mother in Ohio who was never on the loan and Quit Claim Deeded herself on the property in XXXX. Why are you sending her the checks? This needs to stop immediately or I will seek triple the reimbursement. Property address for loan is XXXX XXXX XXXX, XXXX, CA XXXX. I still own the property in my Trust,
Consumer complaint received 2020-04-22
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (OH)

My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have reviewed my credit reports from Equifax, XXXX and XXXX and have found the following fraudulent inquiries on my credit report : Fraudulent Inquiries Under Equifax XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXXl
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

Today, XX/XX/21, I start receiving calls from this collection company to call them about debt they have purchased. I didn't return the call due to not having any bills in collections. When I got home and checked my mail, I received a letter from XXXX XXXX XXXX Mitchell D. Bluhm & Associates , LLC XXXX claiming that I have a medical bill in collections from XXXX XXXX. This is incorrect. First, all bills from this hospital have been paid over two years ago and second, I now work for this hospital and was never informed of any past due debts. 
I want this company charged with harassment and trying to scam me out of {$2200.00}. If possible, I want this amount as compensation to me for this notification.
Consumer complaint received 2020-07-18
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. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-10-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

THIS IS NOT A DUPLICATE REQUEST. EQUIFAX IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND XXXX. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... .. 

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXXXXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE. 

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.