davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SIMM ASSOCIATES To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. This account and any other account associated with my social Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent  evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..

Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America last sent me response on XX/XX/2023. SAYING THEY ARE STILL TRYING TO COLLECT ON A CREDIT CARD I NEVER HAD, IN the amount of {$3100.00}. I've tried to contact them and do the right thing, but they keep sending me these letters saying I owe this amount and I keep telling them it's not me. This is taking up way too much of my time for no reason and I don't know what else to tell them. I don't have an account number to give them because I never had a card.
Consumer complaint received 2022-08-11
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. (AZ)

I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RMS-Recovery Management Services, Inc. (MI)

My name is XXXX XXXX XXXX, I am currently attempting to ensure that my credit report has accurate information. I have contacted Recovery Management Services and asked for documentation of this debt. I was told by Representative, XXXX XXXX that if I wanted documentation I would have to dispute it with the credit bureau and that they would respond to them. He stated that it should not be on my credit report, but refused to give me documentation. I attempted to explain to XXXX XXXX that as a consumer I have a right to ask for documentation. He became irritated stating that I was listening and hung up on me. When dealing with the Credit bureau it is always best to have documentation to ensure that the correct information is shared.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

Credit Collection Services reported their unverified medical account to my credit file on XX/XX/2021. I have no idea how Credit Collection Services received my personal medical information. I have not agreed to do any business with Credit Collection Services, I have not received any goods or services from Credit Collection Services, nor am I responsible for their debt collection purchase from their alleged client. Credit Collection Services have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belonbg to me. Credit Collection Services are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods. I will upload proof upon request.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IL)

On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.
Consumer complaint received 2021-09-10
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: WELLS FARGO & COMPANY (GA)

I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
WELLS FARGO AND XXXX WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 WELLS FARGO BANK XXXX {$300.00}
Consumer complaint received 2018-02-02
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. (FL)

I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2018-02-07
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

Compass bank must of altered their sign in webpage because of " years '' of being able to log in, i suddenly was unable to on or about XX/XX/XXXX. I spent a great deal of time trying to reset this and that according to their webpage. I found myself in a futile loop. I then called the number ( s ) and spent a great deal of time going through extensions, hanging up and recalling when i got to dead ends. I found myself in a futile loop. When i finally got a person on the line, i spent more unnecessary time with him. I followed all the instructions and again " we were in a loop ''.

The problem is that the security question page is faulty for the form field options of questions 2 and 3. See pic attached. The compass guy said he would get this fixed and contact me. But I have heard nothing. 

I sent complaint to XXXX banking people and told me to contact the XXXX banking people. The XXXX banking people have not responded to my email. I made some more calls to Compass bank and i ultimately get " beeps '' and no sounds. I have to then hang up. I sent Compass bank an email using a previous email address i got from them regarding another complaint last year or so. But I got no response. I again tried to log in and then recall Compass, and i am getting nowhere and nothing. Compass bank has intentionally kept me away from reviewing and monitoring my account via online, for some reason.
Consumer complaint received 2018-06-07
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. (MI)

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax on several occasions, filing a direct dispute with them. The last one being in XX/XX/XXXX. Equifax stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached my payment history showing this again. I believe Equifax is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account Number # XXXX ). XXXX Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying $ 30 monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. Thank you, XXXX XXXX
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I incurred {$25.00} late fee on XX/XX/XXXX on my last statement XX/XX/XXXX. I called customer service on XX/XX/XXXX and explained that I requested the Bank of America representative to set up an auto pay for my card so that I don't be worried about late fees. The representative didn't accept my explanation and insisted that the fee will stay. I requested to talk to supervisor, after holding for sometime, I talked to XXXX, she backed up her colleague and did not pay attention to what I am explaining. She said that the fee will stay and I must pay it. I asked to talk to a manager, XXXX said manager only have administrative authority and can't reverse the fee and it takes 2-3 business days for them to call you back. I accepted and gave my phone number and requested to talk to manger. Since I haven't received any call. I am very dissatisfied with Bank of America and want them to reverse the late fee ASAP. 

I told them even I have relation for 14 years and I am preferred member, I am considering to close my all my accounts with them. XXXX did not care at all. 

I want a responsible person to call me and explain me the reason for such a poor customer service and unjust fee. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

I have tried on numerous occasions to cancel my monthly subscription for credit protection with Experian only to be placed on hold for OVER AN HOUR!!! This is clearly a way to deter customers from cancelling their subscriptions that they trick you into when trying to check your credit score. This company preys on vulnerable people who are concerned about their credit and then ropes them into re-occurring fees that it is extremely difficult and burdensome to cancel. From my perspective this is very close to fraud. Please investigate these credit agencies and ensure that membership cancellation is accessible and easy ( online or have calls answered in a more timely manner ).
Consumer complaint received 2021-03-24
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. (AL)

Equifax and XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.