davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Services on behalf of XXXX XXXX unlawfully filled collection action on behalf of XXXX XXXX XXXX. 

In XX/XX/XXXX I was initially contacted by XXXX XXXX w/SWR about a bill from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX for a date of service of XX/XX/XXXX. which he said he received from XXXX XXXX XXXX in XXXX of XXXX. Is the timeline odd enough? Wait, it gets better ... 

I asked that he send me the bill and I would forward it to XXXX for payment because this was a worker 's compensation injury. He agreed and said that he would reach out to XXXX XXXX XXXX and provide me a copy of the bill, however, with the Covid going on, he was not confident that he would get a quick response. 

He called back a couple of times, left a message, I returned his calls and I reminded him that he said he would get me a copy of the bill so that I could provide the same to XXXX for payment. He said that he had reached out to XXXX and had not heard back from them. 

I never received any written or electronic correspondence from SWR whatsoever. 

The burden of proof roles flip : On XX/XX/XXXX I was notified by the credit bureau that I had a collection activity on my credit report. I called SWR and could not reach Mr. XXXX, nor has he returned my call. So I called XXXX myself talked to someone in the billing department who said that all of my XXXX XXXX bills have been paid in full and suggested that she could transfer me to the Physician billing Department. I then spoke to Ms. XXXX XXXX in the Physician billing department who indicated that during my visit on XX/XX/XXXX I was not seen by XXXX XXXX and my bill was paid in full by the XXXX  for all of my visits to their facility. Ms. XXXX email me an itemized statement for XX/XX/XXXX which clearly shows that I was never seen by XXXX XXXX nor is he affiliated with XXXX. 
Fun fact : I am unable to find a XXXX XXXX practicing in XXXX  She went on to say that XXXX has no relationship with XXXX XXXX nor Southwest Recovery Services and clued me into the fact that SWR had no right to negatively impact my credit without providing an itemized statement prior to reporting credit bureau. 

Based on my investigation Southwest Recovery Services had no legal right to initiate collection activity on behalf of XXXX because XXXX doesn't have a contract with SWR. They can not produce a bill or statement of services and yet this did not stop them from their collection efforts. 

One thing is clear : Their approach is disorganized, irresponsible, and caused unnecessary harm to my credit reputation.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

On XXXX of XXXX I opened a loan account # XXXX at the XXXX location inside the XXXX in XXXX XXXX, TX. Due to financial hardship I had to let that loan go so I stop doing payments. My financial situation improved and I had the chance to purchase my first home. My loan officer advices me to settle that account since it was affecting my credit and I would not qualify with it. On XX/XX/XXXX I called the billing department and I settle my {$6000.00} charged off account into a single payment of {$3500.00}. The rep XXXX XXXX gave the confirmation # XXXX and promised a letter stating the {$0.00} balance within 5-7 business days. Its been 29 days and that account still appears as debt and I have not received the confirmation letter. I called on XX/XX/XXXX asking for an update and the letter. The rep told me that its still processing and that it would take another week. He said he would escalate. On XX/XX/XXXX I called again with rep XXXX XXXX and he recognized that timeframe given was ridiculous. He knew that the company has messed up and he gave me the reason but he explained that the situation was not on his hands. He said he would escalate again to what I mentioned that it was already escalated. So I questioned what the previous rep and supervisor have done. He said supervisor XXXX XXXX would take the case. A month has passed and it has not been removed from my credit and I have not received the confirmation letter. I need the letter to close on my home or I will loose it.
Consumer complaint received 2021-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXXXXXX 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 and XXXX XXXX XXXX credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA.

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act the didnt notify me of the investigation results within 30 days. 

Thank you XXXX XXXX
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX an on-line retailer advertised the XXXX ( a golf launcher simulator weighing 2 1/2 lbs ) as being " in stock '' and offered free shipping guaranteed within 5-7 days for {$340.00}. After the expected timeframe for delivery had come and gone I attempted to inquire and was informed via email that my product was unavailable from the manufacturer yet they refused to credit my monies paid. After days of unsuccessfully trying to get a credit from the retailer, I contacted Capital One, my credit card company for assistance. The amount was disputed & temporarily credited back to my card. 2 days after the merchant received notice the amount had been disputed, the merchant sent a rubber golf ball to me via USPS ( tracking # XXXX XXXX weighing 2 ounces. They provided this tracking receipt to Capital One as " proof of delivery '' for my order. Without checking the weight of the package the merchant was credited the {$340.00} again on XXXX. 
I have since provided the attached notice from the United States postal service, as requested by Capital One, indicating the weight of the package was only 2 ounces along with pictures of the actual package & golf ball that was inside. Obviously this would prove the {$340.00} XXXX XXXX XXXX XXXX I ordered had never been received. On XX/XX/XXXX I was notified by Capital One that they have closed my file and will no longer attempt to dispute this charge because I failed to show proof I returned the ordered merchandise in which I never received. How could you return something you didnt receive? Please advise what steps I may take to force the return of my stolen monies?
Consumer complaint received 2020-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I am a XXXX Veteran with a rating of XXXX  % and I live in Florida. My current Mortgage Company Freedom Mortgage, waited for 7 months prior to conducting the Escrow Analysis. Once the Analysis was completed Freedom Mortgage decided to absorbed my refund instead of returning my refund to me. As of XX/XX/2020 the refund amount owed was {$1500.00}. I called Freedom Mortgage repeatedly about the matter.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is reporting a XXXX XXXX XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ NELNET {$2000.00} XX/XX/XXXX (  4 yrs, 6 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ NELNET {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against The Dept of Education/ Nelnet as well as the credit reporting agencies.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion stole {$20.00} from me. 

These people ARE the credit reporting agencies and they lie worse than any XXXX XXXX " credit '' company. 

Nowhere did they say they were going to charge me {$20.00}. 

XXXX.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I am in receipt of a copy of my credit report reflecting invalid debt that I do not owe.I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received a copy of my credit report.What I find strange is your attempt to settle the debt with me when I don't owe you any money in the first place! Why would I settle on something I don't even know?! Again, I don't owe you any money! With all of that being said, please see this complaint as me disputing this alleged debt with your company as well as requesting debt validation with the signed COA.Thirty days is more than enough time for you to send CFPB and myself a response with legal supporting documents bearing that I've done some type of business with you, hence owing you money. Furthermore, State of Florida requires all collection agencies to be licensed and bonded in our state to collect on any debt you say I owe your company.
Consumer complaint received 2019-11-07
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. (UT)

XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NE)

We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX unit Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXX ma XXXX XXXX XXXX ma Reason : I don't know this employer
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers request?
Consumer complaint received 2022-01-07
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. (GA)

This account is inaccurate XXXX XXXX XXXX I'm unaware of this account and did not receive notification about of debt. Validate Prove it with a wet signature that this debt belongs to me. This information is inaccurate and an FCRA violation Also, please provide Validation of Debt and Method of Verification. Please honor all request of documentation.
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (CA)

I received a call from Global Lending Services on XX/XX/2020 regarding a late auto payment for my vehicle. I spoke with XXXX XXXX. After informing her about my financial situation, she asked me to confirm my address. I informed her that my address is the same as before. She asked me to verbally confirm. I told her that it's the same. She asked me to tell it to her. I told her no, it's the same. Flustered, she recommended that I pay as quickly as possible, as I incur late fees daily. I asked her how much the daily fees are. She responded {$22.00} every day. I asked " EVERY day?? '' She said yes, every day. I told her that there is nothing in the contract that states that there is a {$22.00} daily late charge and that this is unacceptable. She apologized and told me that she will double check her information. She put me on a brief hold. When she came back she told me her information is wrong and that the late fee was a monthly charge. I informed her that giving me false or misleading information about a late account is really bad. She agreed and apologized. I took her information. 
I don't know if the false information was intentional or not. But as a consumer, receiving false information from a debt collector, whether on accident or on purpose, is completely inexcusable. It's her job to know how late fees work. Had I not called her out on it, she wouldn't have corrected herself. I feel that she was trying to use false information to pressure me into paying faster.