davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

Dear Sir/Madam, I am writing to file a formal dispute regarding a collection account that has been placed on my consumer report by Credit Corp Solutions Inc. Credit Corp Solutions Inc has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

It has come to my attention that Credit Corp Solutions Inc is flagrantly violating my consumer rights through the use of false, misleading, and deceptive practices. By furnishing this account to consumer reporting agencies without providing the necessary disclosures mandated by law, Credit Corp Solutions Inc is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A.

I wish to formally dispute any and all debts purportedly owed to Credit Corp Solutions Inc . Furthermore, I am hereby revoking all rights for Credit Corp Solutions Inc to communicate with me via email, text, or phone calls.

In light of these concerns, I request the following from Credit Corp Solutions Inc : XXXX. Validation of the debt in compliance with federal regulations. 
XXXX. The purchase agreement between Credit Corp Solutions Inc and the original creditor. 
XXXX. Proof of licensing and bonding to collect debts in my state. 

Failure to adhere to these requests within a reasonable timeframe may result in further legal action. I expect a prompt and thorough response from Credit Corp Solutions Inc regarding this matter.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts from my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NATIONAL FUNDING, INC. (FL)

Bait switch advertising, I send all docs they request for a business loan, after they check XXXX  XXXX score, and send bank statements as they request, showing a good credit XXXX, bank showing making plenty to pay any loan amount and still denied for a credit on the basis of no XXXX score e en showing a copy from XXXX my scoremis what I said is it.
Consumer complaint received 2021-10-26
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. (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX 1 XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-02-10
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: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are 5 accounts with the XXXX XXXX XXXX XXXX that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX There was any agreement made and these payments were made up.
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems (NC)

I have never in my life had a contract with financial Data systems and they are reporting medial debt on 3 accounts in my credit and it is threatening the integrity of myself and affecting me getting approved for a home to put my family in! This is horrible please help me with this fraudulent matter
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: ONLINE Information Services, Inc. (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XX/XX/2022 I sent a letter by CERTIFIED MAIL asking for validation for items that being reported on my credit report still. do to the fact I'm a victim of identity theft which they have the report on file. As of today XXXX XXXX I haven't heard from Experian regarding my Letter it's been over 8-weeks it my understanding fair credit reporting Act that should completed the Investigation with in 30-45 days from the receipt of my CERTIFIED LETTER. The 30-45 mark has now passed.
Consumer complaint received 2022-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Called for refinance information on XX/XX/22 and was told Rocket Mortgage did not have option for me. Now they call 5 to 10 times a day and I have asked to be placed on do not call list and blocked their calls and they continue to call.
Consumer complaint received 2022-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OR)

I have contacted The Money Source repeatedly about the homeowner insurance policy I pay to an outside company for my home. They continue to deduct money from my payment to them to pay insurance. I have contacted them no less than ten times to address this problem ( dates, times and personnel names can be provided ). I also pay my own flood insurance and they deduct for that. There is now a $ XXXXrefund check in limbo somewhere as the mortgage company mailed it to a wrong address when they should not have been involved in the first place. I have asked for the contact info for legal and they disconnect the call. This is beyond absurd.
Consumer complaint received 2022-01-13
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: Debt Recovery Solutions, LLC (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2019-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank : Loan XXXX We paid this loan off IN FULL on XX/XX/19. However WF, on the same day, charged us {$1400.00} in foreclosure legal fees. In other words, WF did not process our paid-in-full payment timely.This is also illegal because WF did not formally notify us that we were in foreclosure before initiating the foreclosure legal fees. 

I sent a written complaint about the above to the Wells Fargo Legal Department on XX/XX/19. I mailed the complaint by certified mail, return receipt requested. I have never received any response.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

Per 15 USC 1681 ( a ) accuracy and fairness of credit reporting, I am making a complaint regarding the inaccurate reporting on my credit report by XXXX XXXX XXXX, XXXX, XXXX and XXXX. There is no evidence of pure accuracy reflecting of XXXX XXXX XXXX from XXXX, XXXX and XXXX. Neither account opening dates, balance amounts or general account reporting reflect pure accuracy from all 3 credit bureaus. Correspondence was sent to XXXX XXXX XXXX regarding opting out per 15 USC 6802. XXXX XXXX XXXX account also shows on the credit report as a charge off. Per IRS Publication 4681, Charge offs on the credit report are certificates of indebtedness which become income and possibly taxable. Income can not be reported to my credit report. I am also filing a complaint on the Department of EducationXXXX and all 3 credit bureaus for the student loans reflecting on my credit report, per the Family Educational Rights and Privacy Act ( 5 USC 522a , 20 USC 1232g , 34 CFR 99, and Federal Trade Commission . Per 15 USC 6802-6805, I have exercised my right to opt out of reporting. Per 16 CFR 313.1 ( f ), I have exercised my continuing right to opt out of reporting. Per 15 USC 16819 ( a ) accuracy and fairness of credit reporting, I am also filing a complaint against XXXX, XXXX and XXXX for not providing pure accurate information regarding dates, balances or general consumer reporting for XXXX. Per 15 USC 1681 ( a ), I am also filing a complaint on Midland Credit Management, XXXX, XXXX and XXXX for inaccurate reporting of account. Credit Report does not reflect pure accuracy of information.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Experian continues to violate my rights by exhibiting fraudulent hard inquiries on my credit report. I have filed an Identity theft report with the FTC and the local authorities in my city. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Experian has repeatedly broken the law in this regard and refuses to address my repeated disputes regarding these fraudulent Hard Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following hard inquiries done on my credit report : XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Finance : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX  : XXXX XXXX, XXXX - XXXX OF XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : 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 : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX I have also contacted the above companies and they told me to contact Experian yet Experian refuses to comply with the above removals. I never authorized these fraudulent inquiries and demand they be removed from my credit report immediately.
Consumer complaint received 2021-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

There is a discrepancy in the number of qualifying payments for my loans. I spoke with XXXX ( XXXX ) from myfedloan on XX/XX/XXXX at XXXX who informed me that they are unable to confirm payments made with direct loans from the periods of XX/XX/XXXX through XX/XX/XXXX as well as from XX/XX/XXXX through XX/XX/XXXX because direct loans no longer exist. 

I have not been given credit for payments made when XXXX XXXX was my loan service provider.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

On XX/XX/XXXX I received a debt collection notice from Credit Control LLC Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is XXXX XXXX and is regarding an XXXX XXXX account Account # xxxxxxxxxXXXX. I did not apply for credit account with XXXX XXXX XXXX XXXX XXXX. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or XXXX XXXX. I did not apply for this credit and this is not my debt.
Consumer complaint received 2020-01-25
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. (NV)

I receive a notification from XXXX  XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX  and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called XXXX  and Trans union and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. XXXX   and Transunion claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date Trans union and XXXX  have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and Trans union and XXXX  never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2-  ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4XXXX XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Bank XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX XXXX  ACCOUNT NUMBER - XXXX