davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (KS)

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract.

2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.

3. Proof of Claim that NATIONAL CREDIT MANAGEMENT has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by NATIONAL CREDIT MANAGEMENT has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring NATIONAL CREDIT MANAGEMENT from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another.

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of NATIONAL CREDIT MANAGEMENT agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Consumer complaint received 2020-11-30
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. (GA)

My identity was stolen and a couples were made in my name due to wallet stolen and Equifax credit breach. I submitted all the information to show it was on there and they needed to be removed. Equifax said it was removed but it was still showing on my credit report. Also showing on XXXX.
Consumer complaint received 2019-11-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MD)

I monitor my credit on a regular basis and noticed that this item popped up in XXXX of this year. I filed a identify theft affidavit as well as a notarized letter and sent it to them. Prior, I have challenged this item to no avail. This is absurd, I have no knowledge of this company, never authorized a payday loan and have had no accounts with with ever. Not one person resolved this egregious error. It's ludicrous that you can put anything on a credit report without anything being validated and it's hard for the consumers to repair. As I'm approaching my closing date for my house this further jeopardizes yet something else I worked hard for, my credit and buying a home. I want it removed from all 3 credit bureau or I will have to pursue other legal recourse. My identify theft report is included as well as my notarized affidavit.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello, Thank you in advance for hearing my complaint. 

I am 2 years in application for mortgage assistance with " Keep Your Home California '' and " XXXX XXXX XXXX, XXXX ''. 

What started as a few months delinquent has now become 2 years in arrears. Due to delays with processing and changes in equity value I 've been encouraged to re-apply over and over again. Wasting time and increasing my arrears to currently over {$70000.00}. 

Now while still awaiting final decision regarding XXXX assistance, my lender, ( SLS ), has moved forward with Trustee Sale. I now have a sale date of XXXX/XXXX/XXXX and it 's escalated my situation into forcing me to sell my home to avoid loss of existing equity. ( potentially approximately {$200000.00} ). 

I was told that a sale date would not be set until the XXXX decision was finalized. 

Any information and assistance in pursuing this matter and saving my home is greatly appreciated.
Consumer complaint received 2021-10-18
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. (TX)

This complaint is in response to the lack of transparency regarding an unverifiable account placed on my credit file. XX/XX/XXXX I requested through a certified letter to Equifax that they send me verification of their claim that an account placed on my file had been verified. 
Since my initial request in XXXX, Equifax has done nothing but send me generic claims of their so-called investigation. With no proof that the account is valid. 
The trade line in question was investigated and removed by XXXX and XXXX more than six months ago. But somehow, Equifax is always lagging in their responses. Their incompetence and dishonesty destroy lives. And they do not belong in the credit reporting business. 
In accordance with consumer rights and protection laws, a consumer reporting agency XXXX not report any credit information that is not the best evidence reasonably available. And the consumer has the right to request a description and procedure used to determine the accuracy and completeness of the information gathered. By stalling and failing to properly respond to my requests, they have violated my rights. The XXXX XXXX XXXX with the retail value of {$14.00} was repossessed by the original lender around XXXX of XXXX, and was resold at an auction. The original lender was unable to provide me with a letter of deciciency upon my telephone request. 
The account was bought by XXXX, XXXX and placed on my credit file XX/XX/XXXX in the amount of {$17.00}, XXXX. 
I believe XXXX, XXXX which has had numerous complaints with the XXXX XXXX XXXX for unethical violations is misrepresenting the amount of this debt. And this credit reporting agency is enabling them by not taking the reasonable steps to conduct a proper investigation.
Consumer complaint received 2021-04-10
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. (SC)

Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

THIS IS RIDICULOUS!!! This account is unknown to me. Why is this showing up on my credit report? I need confirmation of this account! This account is not bound by a contract. You will be sued for the stress you've caused me!
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MO)

I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.
Consumer complaint received 2021-11-02
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. (OH)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MD)

A XXXX XXXX  credit card and a XXXX credit card was opened in my name. Additionally my name was changed on my credit report. XXXX XXXX  has contacted XXXX XXXXXXXX and XXXX to report fraud. My name has been corrected with XXXX. 

The XXXX XXXXXXXX credit card was opened on XX/XX/. The XXXX credit card was opened on XX/XX/XXXX 

As of XX/XX/ my credit score was XXXX. 
Currently with the credit checks and these 2 credit card added which I did not open or apply for, my credit score has dropped to XXXXXXXX XXXX XXXX is currently in process to resolve and restore this issue,
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NM)

I had two charges with a XXXX XXXX credit card that have been closed wherein I did not receive the product. In both instances, there were XXXX clients, one a client from paypal where I paid paypal with the XXXX XXXX card and the other a direct charge to XXXX XXXX credit card I have. The two amounts total XXXX which added to my balance also put me in collections due to the rebill of the disputed charge. I did not receive the product I ordered in both instances and requested a valid refund. 
On the first instance, a client of Paypal, XXXX XXXX XXXX, ( email ( provided by paypal through dispute resolution center ), he provided a XXXX  delivery information that they shipped to my mailbox. However, no furnutre was left on the curbside, post office station and it could not have fit inside the mailbox. I never got an invoice for my patio furniture and when I clicked to cart on their website XXXX, it took my information and then it went blank. I did not receive anyting so I filed a claim with paypal and XXXX. Paypal sent me XXXX  of delivery of goods. However no furiture arrived. after looking for the email online XXXX  I found several people in my positon. They said they ordered several things from kitchen goods to furniture to other items and instead they got mailed masks that they did not order. He is listed as a scammer thorugh paypal. Paypal has not been responsive and XXXX  has rebilled the XXXX dollars to me, putting me over my limit and in collections. This is afffecting my credit and putting me in a situation to jeopardize the buying of my home. I have a family and I kept this card and paid on time for years until this XXXX scammer got into the picture who does run his business to scam people with thehelp of paypal. Paypal knows how to contact him but choses to loook the other way. 
The other instance is when I did buy masks from XXXX. They told me that they can not send me masks I ordered because I ordered through a outlet in XXXX and XXXX shipments are stoped by the use back in may. I asked for a refund and did not get it, after a couple months they told me I can use the XXXX bucks to buy other of their goods that I have no use for I want a refund, and also contacted XXXX for a refund. Idid not get the product, why should the seller keep my money. I want a refund for both the charges and also for XXXX XXXX not to punish my credit or cut my car d or close it as it will irrreparably damage my credit. 
Now if capital one is going to close my account for making this complaint, then I will lose the XXXX dollars in order to keep the card open so that I can buy my house. I need to keep my credit good and closing my only card will jeopardize my ability to buy a house for my family, in that case I will consider the mney scammed by this XXXX people as a closing cost but I should not have to pay more for closing a home.
Consumer complaint received 2020-12-11
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: CITIBANK, N.A. (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITICARDS CBNA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax has failed to properly investigate Bankruptcy claims being reported on my credit report. This company reported XXXX to be the data provider. Documentations from The Court in question and the data provider XXXX we sent to this company. They ignore all correspondence. XXXX has submitted a dispute on my behalf.
Consumer complaint received 2019-11-08
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. (GA)

After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Sent letters out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX no response after more than 60 days. please delete and remove the following accounts from my credit report in accordance with the CFRA. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (VA)

I have had a credit card account in good standing with Wells Fargo ( since it was Wachovia ~XX/XX/XXXX ). I also had a checking account that was linked to the credit card account for overdraft protection. I decided to close the checking account in XX/XX/XXXX, while both accounts were in good standing with a XXXX  balance. I spoke to a Wells Fargo representative on the phone in XX/XX/XXXX & he said he would take care of closing the account. I got a " confirmation '' email that suggested I look for correspondence regarding my recent call in the Message Center on Wells Fargo 's website. The Message Center was empty, but I did not think anything of it at the time. I did not check back, thinking the checking account had been closed as communicated. Meanwhile, I left the credit card account open to maintain 17-18 years of good standing on that credit account. However, the checking account was never closed. Further, it needed a minimum balance, so the credit card pulled money into it each time it reached below the minimum & charged interest on itself, while adding additional late fees & overdraft fees. I was not making these charges, nor had I authorized them since I thought the checking account was closed. When I realized, around XX/XX/XXXX, that this had been happening, I disputed it. My account had been in good standing until that point. They opened case after case, didn't call me back, " understood '' & said they would " take care of it '' over the phone, then closed the case unfavorably without talking to me, saying I owed the money for the self-perpetuating, unauthorized charges. Each time, I was on the phone with them, they would say it was a miscommunication & would be able to take care of it. Then I would never hear from them after they opened a case & I would receive a closed case resolution letter saying I owed all the money. I kept trying to fight it & wait for them to call me back as they said they would. In XX/XX/XXXX, they did a charge back on my account. I was in good standing with them for 17-18 years. There was no reason for me not to be able to pay a ~ {$150.00} credit card bill, but it wasn't mine to pay.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per Transunion Report, XXXX XXXX XXXX has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, Transunion, and XXXX  ) for the month of XXXX and XX/XX/2019.
Consumer complaint received 2020-08-31
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. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX  : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

By Law under the Fair Credit Reporting Act, all three credit bureaus share information that should be equally accurate. I have compared my XXXX report to Equifax and they are NOT equally accurate, they are completely off! Therefore, that is complete violation of the FCRA! And as far as I know and understand Equifax HAS TO ABIDE by the FCRA.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (NJ)

Good afternoon sir or Madam, I have received noticed from XXXX that my credit file has been up-dated. 
today I checked and I had found XXXX delinquent accounts which i dont recognize as mine. 
I have had no agreement with them and have had no communications with them They are : CREDENCE RESOURCE MANAGE CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX XXXX