davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Credit and Collection Service, Inc. (VA)

This was a debt that I did not owe that was incurred by my ex-wife six years ago. Although I was not obligated to pay the debt by the terms of the separation agreement, and did not agree to incurring the services and the cost thereof as the separation agreement required me to pay for healthcare premiums and XXXX XXXX to simply absorb any copays, I paid this amount so as to facilitate my children 's well-being and conclude a divorce. I paid this {$60.00} charge in XXXX XXXX even though it is an account that belongs to XXXX XXXX and even though she sent the bills to me months after they were due -- thereby causing them to be late through her negligence. Nonetheless, I paid them, successfully contested the negative marks on my credit reports, and believe the matter concluded. I heard nothing more about it, and it did not appear on my credit report, until six years later, in late XXXX XXXX, out of the blue. It is paid and closed and was only late for 30 days because XXXX XXXX did not inform me of a co-pay that was due. I spoke to XXXX at the collection company, Capital Credit and Collection, today, and advised her of the above facts. She indicated that Capital Credit and Collection had not taken any actions that should have resulted in reporting this paid and closed account as a negative account on my XXXX credit report. XXXX at Capital Credit and Collection advised me to dispute the account to XXXX and to the CFPB and that when XXXX and the CFPB contacted Capital Credit and Collection XXXX or XXXX of her colleagues would instruct XXXX and CFPB to remove the negative account from my credit report. I hope that indeed Capital Credit and Collection does as promised and removes this negative account from my XXXX report as well as the other XXXX XXXX and XXXX reports if it shows up there. If not, I will be obligated to commence litigation against Capital Credit and Collection. In other words, Capital Credit and Collection does not want this item on my credit report and did not report it to XXXX, and yet it is on my XXXX Credit report. It needs to be removed immediately as it is interfering with my credit score and my ability to purchase a house for my family, including foster children.
Consumer complaint received 2022-09-04
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: SECURITY FINANCE CORP (NC)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (MO)

Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.
Consumer complaint received 2024-02-21
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)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 The list above is 3 fraudulent inquiries that are listed on my credit report that equifax will not remove XXXX have tried calling and mailing them and as part of the fair credit reporting act i demand that these fraudulent inquiries be removed from my credit report
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MS)

DEP OF ED/NELNET is unlawfully reporting late payments to my consumer report. Ive never made any late payments to NELNET nor has NELNET provided me with documentation validating this information. They are also in violation of my consumer rights by reporting this information even if it were factual! I as the consumer own my consumer report and The DEP OF ED/NELNET has failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report. DEP OF ED/NELNET is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). AGAIN I NEVER GAVE MY CONSENT TO REPORT MY INFORMATION!!! By reporting DEP OF ED/NELNET is in violation of the laws made by Congress. Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that DEP OF ED/NELNET is reporting clearly are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ). This is a violation of my privacy! DEP OF ED/NELNET is liable to me for all damages due to their willful noncompliance pursuant 15 USC 1681n .
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (VA)

Allied Interstate LLC is attempting to collect a claimed debt of {$80.00} on behalf of XXXX XXXX. I have never been contacted by XXXX XXXX XXXX in any way. I have a copy of my Vacate Receipt from XXXX XXXX XXXX showing a zero balance. I have rented this space for many years while out of the country and have always paid on time with auto-pay.
Consumer complaint received 2017-01-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (WY)

Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.
Consumer complaint received 2022-09-06
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
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. (AZ)

I was made aware that an account was opened using my name in XXXX for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (IL)

n 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. 

DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2016-03-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial. 
I am submitting documentation from TD financial and XXXX ... ... ... ..
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My privacy is severely important to me and these companies are infringing on my right to privacy. They keep sharing my personal information without my consent. I need it to stop immediately.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (LA)

I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US.
Consumer complaint received 2023-03-30
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX, Experian and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.
Consumer complaint received 2016-04-05
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (CO)

My phone has been off for about two months and it was turned on about two weeks ago. I started receiving calls from XXXX which i found to be asset recovery solutions. They constantly called my phone all day without leaving messages and at one point they called twice within one min. I did answer once and a man asked me to verify my social which i told him no. He said they had been sending letters which i have not received. I will be more than happy to speak to them when i receive some type of verification.
Consumer complaint received 2015-10-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to Ad Astra Recovery Serv. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have explained on numerous occasions that I never lived at the address being furnished by XXXX Co XXXX. And that the account belong to someone else. I have disputed on numerous occasions for them to investigate, and to delete the account as it is very damaging to my reputation and credit profile. This is a willful violation of the FCRA laws put in place to protect the consumer.Failing to investigate the accuracy, upon the demand of the consumer. Can I see for damages as this is causing grave stress?