davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (DE)

I have no knowledge of this debt and did not receive a notice of debt or any notices stating that I could contest the debt or asked for it to be verified but it has been reported to the credit bureaus which is a violation of my consumer rights under the FDCPA 15 USC 1692g.

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false, this is a violation of my consumer rights under 15 USC 1692e.

I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 
Please submit any substantiating evidence of your claims regarding the account listed above to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE [ XXXX ] If I do not receive a response from you regarding your claim within 30 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

Please also see the attached affidavit and invoice detailing the violations of my consumer rights. Please pay the attached invoice upon receipt.
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (GA)

On XX/XX/2020 under transaction number XXXX I sent {$80.00} dollars trough Xoom at a XXXX bank account for help some relatives to buy medical supplies during Covid 19 situation. Xoom usually set the transfer in half hour, after two days I communicate with them by email, they answered that will give me more information about my money, today is XX/XX/2020 and xoom still doesnt resolve this simple situation.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (TN)

After receiving the defective equipment from the company XXXX they said I would have to write a letter to opt out of any agreement I sent the letter a on XXXX XXXX and they were supposed to remove me from remaining product out of my house and then I receive notice that XXXX had purchased them and took over any contracts or existing clients and they kept trying to charge me for something I had opted out and already discussed with the purchased company. I informed them if they installed equipment I would be willing to do a contract with brinks but no response from them. The payments stop for and then two years later they send a bill saying I owe them for the balance for the remaining period when I never received the services or anything after the first month. And they harassed me about paying this for months during the pandemic. I told them the situation and they said our job is to collect a debt not talk to you about your problems so either pay or its going on your credit for 5 years.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 deposited a check from my wifes XXXX account for {$4500.00} into our personal checking account at Bank of America. The bank had place a hold on the funds until XX/XX/XXXX claiming that it would take that long to verify the funds. In my conversation with Bank of America over the phone and in their Branch at XXXX XXXX XXXX, XXXX TX they stated they would not release the funds until XX/XX/XXXX as they could not verify they were available and that they had received some type of notification from XXXX that there may be an issue. We reached out to XXXX and the Branch my wife uses on Friday the XX/XX/XXXX and he assured us that no issue or alert was sent from them to Bank of America and that he XXXX XXXX the Branch manager would be happy to talk to any B of A employee and personally confirm the funds were available and there was no risk with the deposit. We had inquired about doing a stop payment so we could just get cash and deposit that but were told that B of A already had the funds and that option was not available. This issue will cause considerable strife as it will make us late on certain bills. We also called BofAs on Saturday and were given the same timeline regardless of what XXXX says or does. I ( XXXX XXXX XXXX mentioned that there hold seem to violate federal law but they were clear they would not be moved.
Consumer complaint received 2017-08-07
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. (CA)

I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file.
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly.
Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately.
The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
Consumer complaint received 2020-05-04
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. (TX)

I wrote all three credit bureaus and the reporting companies several times asking to remove items as I was a victim of identity theft. The first date disputed was around XX/XX/XXXX, the next dispute was around XX/XX/XXXX, and then XX/XX/XXXX. I then sent a certified debt validation letter in the mail to the reporting companies ( XXXX XXXX ). I was never provided anything other than a XXXX and XXXX e-statement. I am well aware that I have never did business with the reporting company ( collection agency ) and that I disputed it 3 times and both the company and the Credit Bureaus never provided me with a signed contract with my signature. A collection bill is not a real validation. I also sent a fraud packet to XXXX directly. I have a right to be provided with valid proof or it needs to be remove. This is impacting my ability to purchase my new home, as my credit score is impacted. Please request that these collections be removed.
Consumer complaint received 2017-08-07
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. (CA)

I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file. 
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to  verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (CA)

I am being harassed about debt thats not mine, its been on my credit for 8 years my wallet was stolen and my IF was taken, I have summited this over dozen times these people refuse to accept my ID theft issue
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I would like to just speak of three inquiries. I was being assisted by a Representative in the Wells Fargo Business Executive office. In Regard to an account that had been lodged at the bank several years back. I was very grateful for her assistance while in pursuit of the findings. 
When you call the representative back at her office number, the voicemail states that you are calling the " Business-Virtual Channels Executive Office. '' I kindly would like to know if this is the same office as the Wells Fargo Business Account Executive office?? 

Secondly, I would like to highlight just quickly, a strange phenomenon occured while on phone on the Eve of XX/XX/XXXX. As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. 
The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? 

The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. 
As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the XXXX recovery phone update bc I was so unclear and confused. 
If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Thirdly and lastly I would like to inform Wells Fargo, that recieved some correspondence from them that I was the victim of a scam and unauthorized activity. I have attached the literature.
Consumer complaint received 2023-07-26
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with trasunion. checking my file ive noticed Alort of errors. this has been my 2nd attempt to delete all negative items. please review the information listed to clear all accounts in question asap.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Im requesting debt validation I sent a debt validation request certified Mail on XX/XX/XXXX I previously owned this property through XX/XX/XXXX, I previously called in XX/XX/XXXX requesting all paperwork associated with the foreclosure & I was told they dont have access I would need to contact the county the sale took place in.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXI also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (VA)

I had a backgound check done for a job, my background was flagged by Sterling Background Checks. This stopped the hiring process for the position I was being considerd for. The only negative information contained in my background check dates back to XX/XX/2009. Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. I have contacted Sterling Consumer Reporting Agency twice about this violation of the FCRA and they have been uncooperative to resolve this issue in a timely manner. under Sterlings guidelines I have only 5 days to dispute this issue, which the days are up. They  flagged my report on XX/XX/XXXX, I followed up with a call the same day and they have only just now contacted me back on XX/XX/XXXX with my actual released file showing the contents of my background check. In conclusion I would like the outdated negative information removed from my background check.
Consumer complaint received 2020-09-18
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. (FL)

this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I made a purchase online for a pair of earrings on XX/XX/21 for {$510.00} from XXXX. I received a confirmation that my order was shipped by USPS and a signature was required upon delivery. I stayed home the day of the expected delivery XX/XX/21 and no postal employee came to my location and no package was left. When I tracked my package again, it indicated my package was delivered and signed for. Again I never signed for anything and I live alone so no one else could have signed for it. I contacted the merchant and was advised to contact the post office. I filed a claim with the post office that I never received my package and also contacted the postal police regarding the implication that I signed for my package, and clearly either the postal employee was untruthful and signed for it themselves, or delivered it to the incorrect address. I then contacted my card holder ( Bank of America ) and filed a claim with them and provided the same details. Bank of America sends me a response indicating that I made the purchase, and it was delivered and signed by me. I never denied making the purchase and I clearly stated that I never received my purchase. The signature that was provided is not even close to my signature, and as I indicated to them I haven't signed for a package, especially from the USPS in over a year, and no package was left at my location.
Consumer complaint received 2018-10-05
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: Navient Solutions, LLC. (GA)

Many times missed which is actually mentioned on my credit report looks inaccurate and or misleading. Please be sure to deliver substantiation that the alleged account was in fact overdue so you took the important tactics to assist you to carefully examine your accusations.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.
Consumer complaint received 2021-09-15
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)

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Consumer complaint received 2021-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.