davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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: Overton, Russell, Doerr and Donovan, LLP (NY)

This complaint is on Overton, Russell, Doerr and Donavan of XXXX XXXX, NY XXXX. In mid XX/XX/XXXX, I looked at my Credit report and found a XXXX Collections against me. I called the collections and wrote them a letter trying to find out what this recent issue was. They got back to me and said it was a medical bill from XX/XX/XXXX. I had no knowledge of this bill and asked why they are reporting this as a " new '' collection? They said they just received it. I said that the information was incorrect and the proof was on the bill they sent me. They never corrected it. After going to the hospital and talking to billing. I found out that this bill was in error and it should have never been sent in the first place. In any case, The hospital is contacting the collections and taking this off. However, My credit has been ruined. I was unable to take advantage of several opportunities as my score was too low. I have all the documents and cant understand why Overton knowingly did not report the information as the documentation indicated. You can clearly see all the mistakes that were made. The Bill said XX/XX/XXXX, The credit agencies had XX/XX/XXXX and the docs that Overton sent me said XX/XX/XXXX.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2022-09-18
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. (WA)

This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

TD Auto finance reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-05-03
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. (CO)

On XX/XX/2021, a 7 year old collection account disputed due to age. Account was successfully deleted from my credit report. I received an credit alert that a dispute was opened today XX/XX/2021 for the same deleted account which I did not initiate. The same day I received notification that the dispute was completed and the status was updated. The deleted account is now back on my credit report. I called and emailed Experian to resolve this with no answer. The account is too old to be on my credit report at all besides from it already being deleted once before. I shouldnt have to dispute this item multiple times a month. This is an unfair practice. I, XXXX XXXX XXXX authorize CFPB to look into this. I also authorize Experian to release my information to CFPB. I can be reached at XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/2022, I had mailed the payment in. The account was not credited until I called and reported my missing payment. After I called about the missing payment the credit was applied to my account. I received another bill a few days later and sent in another payment. The payment was delivered with certified mail and a return receipt. I tried using my card to make a payment on something and the card was declined. I called today and was informed that the account was closed. They would not provide me with a reason why the account was closed. I also inquired about the payment that was delivered and not applied to my account and they told me they did not receive it. I told the agent they did because I have the return receipt card in my hand while it was delivered today. I requested my payment be returned and they would not comply. They also do not comply with federal laws. They are withholding my payment and closed the account
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We refinanced our home and closed our loan with Nationstar Mortgage LLC d/b/a Mr. Cooper in XX/XX/XXXX. Our new Mortgage company paid off our loan with Mr. Cooper on XX/XX/XXXX. We were owed a refund for overpayment and received a check in the amount of {$4300.00} on XX/XX/XXXX. Our bank held the check for clearance and then released the funds, which we began to use. On XX/XX/XXXX, Mr. Cooper placed a " Stop Payment '' on the check, which made our account negative in addition to fees. 
We called Mr. Cooper for an explanation and were told the original check was incorrect by {$9.00}, which they owed us the additional {$9.00}. Instead of sending us a second check for the {$9.00}, they cancelled the original check. We have been in constant contact with them for the last 3 months and every single week, sometimes twice a week, we get a different answer as to why we still have not received the refund that is owed to us in the amount of {$4300.00}. Every agent we speak to assures us they will find a resolution and call us back. We have yet to receive a call back or receive any resolution.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!
Consumer complaint received 2022-04-27
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. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EXPERIAN, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiablXXXX XXXX and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MI)

I XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.
Consumer complaint received 2017-12-18
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: Innovis (MD)

According to the Fair Credit Reporting Act, 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 the 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. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? I want names and addresses for each person who verified the account and the method in which it was verified. 
You informed me over the phone all records of verification have been shredded. You have NOT provided me a copy of ANY certified original documentation ( a consumer contract with my signature on it ) as required under Federal Law or any proof of your verification other the a letter stating an account was verified. A contract is an agreement between two or more parties creating obligations that are enforceable or otherwise recognizable at law. Show me a signed contract with Innovis. Show me a signed contract with each creditor proving I have given them permission to report to Innovis. Furthermore, you have failed to provide the method of verification as an Original Wet Note signature. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (AZ)

I have a XXXX XXXX  Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX  but nothing came of it.
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

The company is falsely reporting a late 30 days payment on my account for XX/XX/2021. 
By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due. An overlooked bill won't hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 
I have never had a 30 days late payment after the due date and as such needs to be immediately removed from my credit report
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (WA)

Sometime in early XXXX, I received a letter from AmSher about a debt account they received from XXXX. The letter stated the total amount but not the itemized amounts and I can not validate this debt, especially not knowing what the charges are. I called AmSher and left a detailed message regarding my account with them, indicating that I formally dispute the debt and request itemized charges. 
For a while, I heard nothing back and received no itemized charges ; I considered the matter resolved. Some time later XXXX late XXXX ) I am notified through credit monitoring that there was a change in my credit report. AmSher reported the debt in spite of my dispute, to the collection agency without first having sent the itemized charges or contacted me about my request. 

On calling them today, I was told my request was received shortly after I called and that the itemized charges were sent in the mail. No such mail ever arrived XXXX even though I receive other mail just fine, including their original notice ) ; no explanation or tracking number was given. I asked that in lieu of sending the itemized charges and/or notifying me they were not sent, that AmSher remove the report they sent to the credit bureaus, until after the itemized charges document has been sent. They refused to look into the matter further and insisted they're " not in control of the postal service ''. This seems highly suspicious since I receive mail routinely just fine, I am confident the document was not sent because they did not send it and it does not exist. Based on my past experience with this debt, a previous agency XXXX having attempted to do the same thing ) eventually admitted the document did not exist because no itemized details were provided by XXXX with the account. I am confident this is the case yet again, where the agency is falsely insisting it was sent as a pressuring tactic to make up for the fact they can not legitimately provide supporting documentation. 

In the past, I have contacted XXXX and the previous agency to confirm that XXXX deleted my account information, and so with it any information about itemized charges. It seems entirely like a scam tactic to, knowing this, a ) continue to collect the debt and b ) for agencies to " invent ' documents/details which don't and can no longer exist.
Consumer complaint received 2021-01-29
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (NC)

I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( {$300.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
Consumer complaint received 2020-12-06
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. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

I was charged fraudulent amounts on XX/XX/XXXX in the amounts of ; {$73.00} - XXXX XXXX XXXX XXXX {$5.00} - XXXX XXXX {$100.00} - XXXX {$26.00} - XXXX {$240.00} - XXXX # XXXX New York {$200.00} - XXXX # XXXX New York {$250.00} - XXXX XXXX XXXXXXXX XXXX {$100.00} - XXXX I reported these fraudulent purchases immediately (XX/XX/XXXX @ XXXX ) and immediately canceled all cards associated with my account and reported cards as lost/stolen On XX/XX/XXXX, I filed a police report with the XXXX Police Department reporting identity theft ( XXXX << REPORT NUMBER ) I submitted this report to netspend immediately via their online reporting function. 

On XX/XX/XXXX I receieved a notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$340.00} OnXX/XX/XXXX I receieved a second notice from Netspend that they had received my report and were provideing a provisional credit to my account ( XXXX << REPORT NUMBER ) in the amount of {$550.00} On XX/XX/XXXX I  recieved a notice of resolution from Netspend stating that they found no errors in charges and that they would be crediting OUT the provisional debits by XX/XX/XXXX.