davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Around XX/XX/XXXX my credit card with chase was shutdown without any notice to me. I had been a long time cardholder of many years with them, and when I called support I was told my account was closed due to too many credit limit increase requests and returned payments. Unfortunately I had accidentally used the wrong bank account for two or three payments over the span of 2 months, but I immediately rectified the issue by doing a new payment from the correct bank account. Around this time in XX/XX/XXXX, I had made two large lump sum payments because I realized the last payment I had done a week before, was bounced. I did not attempt to use my card after the two large payments went in. A few days later I did try to use my card and realized the account had been closed the day AFTER my payments went through. In essence, Chase essentially stole my money and shutdown my account because of an accident I made. They are ruthless and utilize draconian methods. They do not care about the consumer and my attempts to explain the mistake and the situation was ignored.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (CO)

After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all  XXXX  credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
Consumer complaint received 2018-03-31
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: WELLS FARGO & COMPANY (DE)

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Dated XX/XX/2020 and XX/XX/2020, I requested " a description of the procedure used to determine the accuracy and completeness .... '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' The bureau, in conjunction with the consumer reporting agency, failed to deliver requested information in a timely manner as detailed in several laws.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

SPS Charging {$15.00} processing fee every month to make Mortgage Payment! Even my son questioned how this practice could be legal. {$5.00} to pay online or by phone from XXXX to XXXX of month and {$15.00} by phone or online from XXXX to XXXX of month.
Consumer complaint received 2020-05-14
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. (PA)

I submitted a dispute for the inquiries on my credit report. The inquiries were removed, however my credit score was not addressed. The inquiries which were removed had a negative impact on to my credit score, therefore their removal should have a positive impact to my credit score.
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable stress.
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone unanswered to date which has caused immeasurable XXXX.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address. 

After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email. 

After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place. 

The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name. 

The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During XX/XX/XXXX, I received a text message validating that I had apply for something, but since identity theft is very common via text messages I did not open the text or link provided in the message. A mont after that XX/XX/XXXX, I decided to look at my credit report in XXXX XXXX app and I had a notification that my score dropped because of a few new inquiries in my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX. TRANSUNIOM I have not make any inquiries on my credit report since XX/XX/XXXX, because I'm not looking to purchase anything at the moment.
Consumer complaint received 2023-01-28
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. (NV)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-05
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. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There was a public record listed on my credit report that I disputed with Transunion since XX/XX/XXXX and to this day remains on my credit file and has negatively affected my chances of purchasing a home and obtaining credit. Transunion said that they VERIFIED the information with the court which is false as the courts DO NOT furnish information to the credit bureaus. The verification was never sent to the actual court or a real person from the court. So the fact that Transunion said it was VERIFIED is completely false.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported
Consumer complaint received 2018-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

It was my understanding that the only way that i could receive student loan forgiveness ( i am an XXXX ) was if i consolidated my student loans with XXXX XXXX. After 10 years of public service, 120 on time payments, I could request forgiveness. I was never advised as to what type of payment plan that I would need to be on, only that a qualifying payment would need to be made. I began making standard payments on XX/XX/2012. Believing that I was doing the right thing and on course for loan forgiveness, I submitted my employment certification form for PLSF last year, ( which is now missing from my file uploads in my online account ). After submitting my employment certification form I was notified that I would need to switch to a " qualifying '' payment plan. I researched through the website the qualifying payment plans and found them to be MUCH higher than my standard payment. So much higher that if I switched to the qualifying payment plan I would have my student loans paid off by the end of the 120 qualifying payments. Me paying off my student loans does not equal student loan forgiveness. I then called XXXX XXXX to see if what I was seeing was correct and the XXXX  phone representative said, yes i would in fact pay off all of my debt by switching to the qualifying payment plan and that does in fact happen for a lot of people that they are the ones that actually pay off the balance. THIS MAKES NO SENSE. I have been tricked into believing that I could be eligible for student loan forgiveness, consolidated my loans at a higher interest rate, was not explicitly given the choice of the correct payment plan for student loan forgiveness, then was informed that I would, in fact, still pay off my loans completely before i would meet all of the qualifications for student loan forgiveness. This company, who handles ALL of the federal student loan debt for people wishing to seek student loan forgiveness is not working to help people get rid of their debt. They are making money off of misinformation, incomplete information, or neglecting to provide consumers with the clear path to student loan forgiveness.
Consumer complaint received 2022-04-05
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: Chime Financial Inc (LA)

My debit card was used for several merchants that I didnt authorize. I contacted chime to inform of the charges and was also able to provide proof I didnt make the charges. Chime denied my dispute and also denied the dispute as well
Consumer complaint received 2020-09-14
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNT : XXXX XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

THIS ACCOUNT DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO GO TO THIS SCHOOL MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.