davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Recovery Systems (TX)

I disputed this collection account with all XXXX credit bureaus multiple times the latest date being XXXXXX/XX/XXXX. I have a collection account for the amount of {$770.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas XXXX XXXX which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a XXXX bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX of State. Furthermore, Sec. XXXX92.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas XXXX XXXX XXXX XXXX XXXX  as well and I request the immediate removal of this trade line from all XXXX credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IL)

Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business
Consumer complaint received 2022-09-08
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-23
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. (NJ)

I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TN)

Mountain run Solutions are reporting a debt that would have been over ten years old if it were true. I have not had any contracts or services with XXXX since XXXX and do not owe any money. Original contract started in XXXX.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

LAST CHANCE TO DO THE RIGHT THING AND HAVE XXXX AND XXXX   VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER 7 BANKRUPTCY. CASE XXXX
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, 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: ID Analytics, Inc. (CA)

I faxed over my neccessary information to sagestream LLC as the representative advised me to do, to put a security freeze on my credit file. I was told once I fax over the documents to the secured fax number they will immediately put the security freeze on my credit file and mail the password to remove the security freeze and I have not received anything in the mail. I am starting to feel highly uncomfortable with sagestream LLC due to the fact that I am a victim of identity theft and I have called and left multiple messages and they refuse to return my call.
Consumer complaint received 2017-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

When I first noticed this account on my credit profile with the credit bureaus, I contacted the original creditor XXXX XXXX XXXX, letting them know this account has been fraudulently opened in my name. This account was removed from my credit profile. 

Almost one year later I am receiving communication from a collection agency Resurgent Capital Services c/o LVNV Funding LLC stating I owe a debt for a credit card account that does not belong to me.
Consumer complaint received 2022-09-08
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. (FL)

CFPB Equifax, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (OH)

I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). 
They say they have tried to call me but, if they did, no messages were ever left. 
I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. 

I am on a fixed income ; food stamps ; and living in a small, subsidized residence. 
I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. 

Please send GC Services a " cease and desist '' notification of some sort. 
Thank you for your attention and consideration.
Consumer complaint received 2017-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, Equifax, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

Money gram company has been unfairly refusing to do business with me. I do n't know the why. I ca n't receive or send money with the company. This has been going on for months. I received money of an amount of {$100.00} from my cousin in Texas. They agents of money gram has been asking many question even thought the company has my information in their system.
Consumer complaint received 2017-10-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, XXXX, and XXXX ) being reported by Springleaf ( OneMain Financial ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked Springleaf ( OneMain Financial ) as a Goodwill gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that Springleaf ( OneMain Financial ) will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.
Consumer complaint received 2017-10-24
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. (OH)

Under the new law effective XX/XX/XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has allowed my ex-husband to mobile deposit several federal tax refund and stimulus checks totaling around XXXX to his account that has my name on them without requiring my signature. I do not have a account with my ex nor do I have an account with Wells Fargo. He simply checks a box on the back of the check and writes for deposit only. I have filed a complaint with Wells Fargo and they called me to let me know that they were not correcting this problem and there's nothing they could do for me. I will have to hire an attorney and take him to court for the money to be paid that Wells Fargo has allowed him to commit fraud and steal from me. There is clearly a problem with how mobile deposits are monitored and its apparent they are not audited with Wells Fargo. Wells Fargo should have removed the funds from the deposits from my ex husband 's account until he properly attained my signature allowing the deposit to be made legally.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.