davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

GOOD MORNING! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America gave me a line of credit XX/XX/XXXX in the amount of {$750.00} for some reason they closed the line of credit, im guessing XXXX. I did pay the balance off in full, they are still showing up on my credit report as if this is a current account. I disputed this information with the XXXX  Credit dispute, they came back with a decision that the information is correct and now it is reporting that this will not be removed from my account until XX/XX/XXXX. Bank of America can not and will not have any history of me having an active account with them pasted XXXX. THIS ACCOUNT IS OLD, CLOSED AND SHOULD BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY. This information is hurting my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I requested an investigation into items that I believed to be inaccurate and falsely reporting in a letter to you dated XX/XX/2024. As of this moment, the sole correspondence I have obtained from you is a computer-generated letter informing me that the investigation into my credit reports has been terminated on the grounds that you suspect I have engaged the services of a third-party credit restoration agency XXXX This is not only a delay tactic to obtain an extension of 30 days to comply with my initial request, but it is also a flagrant violation of the FCRA, in my opinion.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

I worked at XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, under XXXX XXXX XXXX . I enrolled in the 401K program to start in XX/XX/XXXX. Authorizing Wells Fargo to take {$100.00} every two weeks out of my pay check to go into my 401K account. 

I left the company ( XXXX XXXX XXXX ) in XX/XX/XXXX just prior to the hospital moving to another location under the name XXXX XXXX XXXX XXXX XXXX Texas. I spoke with a Wells Fargo representative regarding my 401K, and was told " no need to transfer or take my money out, it could stay in Wells Fargo account and grow Intrest ''. 

Recently I opened an account with Wells Fargo and my Social Security number, date of birth, old address was already in their account for me. At that time I asked the representative what was my 401K amount now? She reported I had a {$00.00} balance. 

I notified The XXXX XXXX, who reffered me to XXXX XXXX the benifit administrator for XXXX. Since XX/XX/XXXX I have constantly spoken with different reprsentatives from Wells Fargo, each one promising to take care of the issue. 

Still no resolution for the {$6400.00} plus interest I placed in this account. In addition, I was told " Wells Fargo only go back for 7 years '' One representative saying to me " its been so long I don't know where the money went, with no activity, it probably just went back to Wells Fargo ''. My homestead burned down in XX/XX/XXXX where all my business information, college diploma, and other information was destroyed. Still the XXXX should have old check stubs, as should Wells Fargo regarding an employees information an transactions regarding our accounts.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OK)

The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Spring Oaks Capital, LLC (PA)

this account is not mine account name:XXXX XXXX XXXX XXXX account number:XXXX account balance : {$980.00} im not liable for this debt it does not belong to me at all want it removed off my report
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (IN)

This is a formal complaint that I am reporting inaccurate and incomplete credit information. 

I opened a Citi Bank Mastercard in XXXX while I was young. I maxed out my card and was in debt with this for years and interest fees kept accruing. I paid well over $ XXXX for a {$2500.00} limit card. After this difficult time, the card was charged off later in XXXX. After communicating with Citibank, I was offered to pay off the entire amount of the card for the debt to be closed and removed from my credit report. 

I paid Citi Bank for the ENTIRE debt and the account remains on my credit report today. Citi Bank is reporting over 7 months of missed payments in a row, causing major harm to my credit reports ... AFTER the card was completely paid off. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
This information needs to be re-investigated. I respectfully request to be provided proof of this account, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I paid XXXX XXXX in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except Transunion. The company denies derogatory being on the paperwork but trans union still has not fixed it after multiple reports and calls.
Consumer complaint received 2020-12-13
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. (MA)

I have a XXXX XXXX credit card that I have never used. XX/XX/2020 I called customer service to ask for an annual fee waiver and close the account. The representative agreed to waive the fee and suggested to keep the account open and to increase my line limit. I accepted the Rep deal. I just found out that I am overdue and my credit score was hit with a XXXX points drop. XX/XX/2020 I called the customer service line, spoke to an agent # XXXX named XXXX. I explained the situation and was told that the fee waiver was not granted later after it had been accepted. I asked XXXX to have XXXX XXXX to submit a dispute over the credit reporting agency to fix my credit score but she said we can not do that. I asked to speak to a manager but she kept me holding on the phone over 45 minutes and she kept telling me I am still waiting for her supervisor. I believe that it was not my fault to have my credit score hit. I feel that XXXX XXXX did unfairly treated me. Please see the attached image that show that they waived and came and charge back again. I already paid the past due amount and submitted a dispute with Equifax already. 
I look forward to have a follow up on my complaints. Thank you
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently received a copy of my annual credit report. There was a collection agency by the name of portfolio recovery associates listed as a collection on all three credit bureaus. The debt amount is XXXX. This is not my debt. I sent a letter to them asking them to remove this collection immediately because of the negative impact this erroneous debt could have on my credit profile. This debt has affected my credit score negatively which causes financial harm to me and my family from qualifying for different financial services. I sent them a letter dated XX/XX/2019 that this is not my debt and for proof that it belong to me per the Fair Debt Collection Practices Act. 

They replied back with a letter dated XX/XX/2019. All I received was a two page statement of alleged charges. This does not meet the Federal Trade Commission guidelines that constitutes proper debt validation. Therefore I request immediate removal of this erroneous debt in the amount of XXXX from all three bureaus. If you don't comply you are subject to a fine up to one thousand dollars plus punitive damages. I'm sure that your legal staff would agree that non compliance with this request could put your company in serious legal trouble with the FTC.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Receivables, Inc. (TN)

XXXX XXXX sent dues to collection agency after Id cancelled as I was moving to a different state. The gym had continued charging me and eventually sent the dues to Collection Receivables , Inc. To finalize and resolve the issue, I decided to pay the amount due months ago to Collection Receivables , Inc. After paying off, I asked them to not contact me again. Several times a couple of months later, I was still receiving emails and occasional calls from them so I decided to call them and ask them why I was still being contacted, they said the notifications were sent by error ; that I didnt owe anything and that I would no longer be contacted. Today, XX/XX/2022, I received another email telling me that I was being contacted to collect a debt with an attachment for an offer to pay off dues for a lower than owed amount
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. 
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold to them ( Southwest Credit ). I also advised them that if the original creditor have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an NOTHING. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Southwest Credit company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Southwest Credit to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, illegal credit reporting, no jurisdiction and punitive damages.
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed XXXX XXXX XXXX account that shows as derogatory. The results were the bank said its accurate. I received a letter from XXXX XXXX XXXX stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I placed an order for a XXXX XXXX XXXX XXXX XXXX, Model XXXX at a price of {$350.00} and paid for it with XXXX points from my Wells Fargo GoFarRewards account # XXXX. The product was shipped to me from XXXX XXXX and arrived on XX/XX/XXXX. On XX/XX/XXXX I received an email from " XXXX '' which referenced Wells Fargo/XXXX and offered seven XXXX XXXX products for sale, one of which was the identical model I had purchased from Wells Fargo. However, the XXXX price was {$130.00}, less than half the price I had paid. 

I could not understand how such a large discrepancy in price could exist for one product among reputable sellers, unless an error had been made. So I went online to check how other retailers were pricing this product. The XXXX XXXX offered it at {$180.00} ; XXXX, at {$140.00} ; XXXX XXXX, {$180.00} and XXXX XXXX, {$180.00}. Average price of the five outlets works out to {$170.00}. 

On XX/XX/XXXX I went to the Wells Fargo website and sent a message concerning the price discrepancy and the unreasonable difference between Wells Fargo 's price and the price of other stores which sell the same product. In view of these facts I asked that Wells Fargo restore equity to my transaction by refunding XXXX points to my GoFarRewards account. I received a confirmation from Wells Fargo that my message had been received and I could expect to hear from them within 10 days. I waited one month for a response, and on XX/XX/XXXX I sent a second message on the Wells Fargo website. I asked that if they are not willing to make an adjustment for the price discrepancy that they authorize me to return the product and cancel the transaction altogether. 

I received a letter by mail dated XX/XX/XXXX from XXXX XXXX, Research and Remediation Manager, Executive Office, Wells Fargo Bank. Mr. XXXX stated that his research team expected to provide me with a response on or before XX/XX/XXXX. A second letter dated XX/XX/XXXX came to me from XXXX XXXX, Research and Remediation Analyst in which she said she was working on my case and I could expect a response by XX/XX/XXXX. A third letter, dated XX/XX/XXXX arrived from XXXX XXXX stating her research is continuing and I can expect a response by XX/XX/XXXX. A fourth letter dated XX/XX/XXXX arrived from XXXX XXXX in which she stated she is unable to honor my request because rewards are not refundable once redeemed. 

I can not accept XXXX XXXX XXXX decision as a legitimate reason for denial because fairness and equity in conducting a business transaction should never be disregarded. When an operating procedure conflicts with doing what is right, an exception must be made.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (CA)

1. On XX/XX/2018, I sent an initial letter to Receivable Management ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified Receivable Management that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to Receivable Management 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and XXXX credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my XXXX credit report dated XX/XX/2018 ( copies are attached ), Receivable Management did not furnish neither XXXX  nor XXXX  with the required disclosure within the period required by law. Receivable Management is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, Receivable Management violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that Receivable Management delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
Consumer complaint received 2018-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX   while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX  ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX  attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.