davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (IL)

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Nationwide Recovery on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Nationwide Recovery via mail on XX/XX/2022. Tracking shows that the letter was received by Nationwide Recovery on XX/XX/2022. It has been more than XXXX  days and I have not received any type of debt validation letter in return. XXXX XXXX XXXX have removed this alleged debt from my Credit Report in good faith ; however it is still being reported to XXXX. I simply ask that this item be deleted from XXXX. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical issues.
Consumer complaint received 2021-03-04
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with XXXX, EXPERIAN AND XXXX and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!
Consumer complaint received 2020-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX letter dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have missed before or after loan transfer on XX/XX/XXXX. In addition, our credit report for XXXX reported by XXXX  XXXX XXXX has been reported as current. 

In addition, please correct the following ; 1 ) Correct misapplied payments of current payments after loan transfer XX/XX/XXXX 2 ) Correct the late fees waived from XXXX  XXXX XXXX of XXXX 3 ) Remove all accrued monthly late fees relating to misapplied payments from XX/XX/XXXX to XX/XX/XXXX 4 ) Remove all late payments reporting on our credit reports with all credit agencies from XXXX to XXXX 5 ) Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account ( see excel spreadsheet ) Payments made before loan transfer XX/XX/XXXX : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only ( XXXX  XXXX XXXX corrected misapplied payments from XX/XX/XXXX to XX/XX/XXXX to be applied as part interest, part payment corrected as of XX/XX/XXXX ) See loan transcript and XXXX  sheet summary. XXXX  XXXX XXXX removed delinquency as of XX/XX/XXXX. 

** XX/XX/XXXX {$240.00} applied as interest only. ( Correction to be completed by Specialized Loan Servicing, part principal portion missing ), the final correction request was made by XXXX  XXXX XXXX letter dated XXXX I have attached the following supporting documentation relating to this issue : SLS Notice of Default and Notice of Intent to Foreclosure letter dated XXXX XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX  XXXX XXXX loan transcript dated XX/XX/XXXX showing corrections of misapplied payments. 
XXXX spreadsheet showing the XXXX  XXXX XXXX corrections made and YTD interest and principal paid XXXX  report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history on account. XXXX  XXXX XXXX reported all months as paid on time ( correction of XX/XX/XXXX delinquency ) SLS has reported late payment history. All monthly payments were made on time before and after loan transfer and no monthly payments have been missed. 
XX/XX/XXXX and XX/XX/XXXX Specialized Loan Servicing Statements XX/XX/XXXX Specialized Loan Servicing letter with notes made regarding XXXX  XXXX XXXX corrections. 

Please make the necessary corrections to our account and process our list of requests mentioned above. Thank you.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 View full complaint
Consumer complaint received 2020-11-11
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)

On XX/XX/2020, XXXX removed Chapter XXXX bankruptcy XXXX from my credit report. I have several documents to prove that this was removed and have sent those documents over to Equifax, but they are still reporting this public record as accurate. I know for a fact that there is no way that they can report this account as accurate since XXXX has removed it and they have told me that they have had trouble initiating a dispute with Equifax to have this information removed. There is no reason that this public record should come back accurate since it does not exist.
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

Navient has put on my credit report late payments the President had issued a executive order regarding federal loans a pause in payments and interest till XX/XX/21. I have been making payments due to them putting late payments on my credit report and from them calling me telling me that I dont have a federal loan. I called and spoke to someone they said I have a commercial Loan He was unable to explain what that is? I went the federal website it says I have federal loans. I need clarity we are in a national pandemic. I need assistance.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Visa. I have on repeated occasions, at least four, over the last several weeks attempted to get copies of my monthly statements for XX/XX/XXXX through XX/XX/XXXX. These statements are not available online. 

Wells Fargo has promised me they will mail the statements and fax them to me but they never arrive. Each time they say to give them 3 days to arrive via fax but they don't arrive. We even tried working through our local Wells Fargo branch and they called on our behalf and even provided their fax number to their credit card department but also to no avail. 

Thank you for any help you can provide. We have run out of options to try to work with them to get us the information we have requested.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

By 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.

The accounts below have violated my rights. 
XXXX XXXX XXXXXXXX XXXX # REF : XXXX 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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 2020-09-17
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. (NE)

I have submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per 605b FCRA : Collection Account XXXX XXXX XXXX   {$980.00} XXXXXXXX XXXX charge off LAI800- {$2500.00} XXXX XXXX XXXX chargeoff
Consumer complaint received 2020-08-30
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. (MA)

Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have sent documents to Portfolio Recovery Associates and have yet to repond to me. Ive requested documents on this alleged debt multiple times and nothing. All they've been doing is harrasing me to pay them but i dont even know why they are charging me or who they even are.
Consumer complaint received 2021-08-09
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. (FL)

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

Yes thank you for helping me the first time with PayPal however they fixed the account for me to use but I contacted them cuz I could not withdraw money still I was given the run around and I called several times because somebody else had changed the phone number and password I just finally got back in the account I had {$850.00} I only withdrew {$200.00} leaving {$650.00} my account has {$1.00} in it and I have tried several times to get PayPal to fix these unauthorized transactions they refuse saying that they right the unauthorized transactions are to PayPal itself help me please
Consumer complaint received 2020-09-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8500.00} -This is not my account.
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (MS)

I had several small credit cards. Unfortunately in 2018 I got into a huge financial bind and had to decide which bills to keep paying on and which bills to let go. I chose to pay rent utilities etc. And had to stop paying on my credit cards. A lot of these companies sold my account to another company yet they plus the new purchaser still reports to the credit bureaus with both the original account and the Company that bought the account. I believe this is illegal as two accounts of the same account can not be reported twice yet they are.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged inaccurate reporting but I still have INQUIRIES left that needed to be removed. I was a victim of inaccurate reporting and this is another request to remove the inquiries from my credit file resulting from alleged inaccurate reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX. Ive already included this issue in my previous letter & I am including it again with a new FTC report XXXX. Also, the information you provided on these inquiries is UNKNOWN to me and was REMOVED from other bureaus and I have doubts about their accuracy. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is to notify you if you do not REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRIES resulting from alleged inaccurate reporting.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I received a call from Bank of America ( BOA ) stating that my Employment Development Department ( EDD ) debit card was frozen due to suspicious activity. After speaking to the representative, they informed me that on XX/XX/2021 there was an ATM balance inquiry and withdrawal for {$1000.00} in XXXX XXXX, CA. Following the first withdrawal, there were four more fraudulent charges everyday from XX/XX/XXXX to XX/XX/2021. Each withdrawal for {$1000.00}, totaling {$5000.00}. XX/XX/XXXX and XXXX were in XXXX, CA, and XXXX in XXXX XXXX XXXX on XXXX and XXXX on XX/XX/XXXX and XXXX. I have submitted a fraud claim to BOA on XX/XX/2021 and was denied, even though BOA themselves alerted me of the suspicious activity. BOA has not done anything to help ; just deny my claims. They have closed my case two times since I've initially filed the claim on XX/XX/2021 and I have received no explanation as to why my claims were denied/closed. They had frozen my initial account which I was able to unfreeze and take out the remainder of the balance which was {$250.00}. I currently have a new EDD card with them with no balance on it. I have only used the BOA ATMs in XXXX, CA and XXXX, CA, the last date of transaction from myself being XX/XX/2021. All transactions made starting XXXX XXXX from various locations are fraudulent. A Police report will also be made today.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Our mortgage was supposedly sold from an existing XXXX trust to another trust. 
XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. 
I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (CA)

I have no idea who this debt collections company is that bought some debt and says it was mine. Ive told the the company over and over again it got deleted and reappear. I have been trying with the credit reporting agency to get this removed and they have not been responsive to my request. 

Several police reports were sent to Experian in the past they continue to allow this company to ruin my credit. 









Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$810.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$810.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.