davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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)

There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of XXXX late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grant & Weber (CA)

I reviewed my credit report and found that I am a victim of fraud, as it contains accounts opened without my consent. My personal information was stolen to create these accounts, and I have never signed any agreements with these companies. I have no knowledge of these accounts, did not benefit from this fraud, and am concerned that the fraudulent activity may persist.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX I received a notice that a debt collection had been added to my credit bureau file in the amount of {$1600.00}. The credit collection agency is Merchants Credit located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I sent the XXXX debt validation XX/XX/XXXX. I sent through certified mail with return receipt and received no response. I sent another letter dated XX/XX/XXXX also through certified mail with return receipt. Once again with no response. When I dispute through the credit agencies that the debt is valid.
Consumer complaint received 2022-12-13
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. (PA)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account XXXX XXXX XXXXXX/XX/XXXX in the amount of {$720.00}, XXXX XXXX XXXXXX/XX/XXXX in the amount of {$530.00}XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount {$1600.00}, XXXX XXXX XX/XX/XXXX in the amount of {$430.00}. XXXX XX/XX/XXXX in the amount of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2022-09-27
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX
Consumer complaint received 2021-04-21
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. (TN)

On today 's date XXXXXXXX XXXX  2021 XXXX XXXX XXXX falsely reported that I was 30 days late. In which I was only {$12.00} short on XXXX of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXXXXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX attempted to collect on a debt through XXXX. I did not know anything about this debt and disputed it with all 3 CB. It was DELETED. XXXX XXXX then sold the debt to XXXX. I called XXXX XXXX  directly to get the original date they placed the debt on my credit report and they wanted a pass code ( I do not have it, bc this is not my debt! ). They refused to give me the information. They are placing information on MY credit report, then refuse to give me copies of the information ( allegedly about me XXXX regarding the debt. I can not dispute something I have no knowledge of or information on. When I asked XXXX if THEY had the original date from XXXX the answer was NO. If a creditor posts information on your credit report, you should be able to contact that company and get ALL the information available, yet they want passcodes etc to hide information. There is alot of fraud going on and XXXX XXXXs not being responsible.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (MD)

i got a email from XXXX about a debt i know nothing about threatening lawsuit and other action they listed old info but did have my ssn so that worries me. not sure what action can be taken to stop this, i'm sure they trick some people into it and just want others to be aware
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I am writing this email in regards to an incident that happen on XXXX XXXX. I deposited {$1000.00} into a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Drive thru, the ATM had taken my funds, and didn't put it into my account, but it did print out a receipt that states " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. I went into the bank on XX/XX/XXXX and they said they couldn't do anything for me, and I would have to just call the number that it said call. So I called and put in a claim and my funds were credited to my account, and this was on XX/XX/XXXX. On XX/XX/XXXX the claims Department stated they were successful in locating the original transaction, but they didn't locate the cash, so the credit that they had put on my account will be taking back from me. So I had the claim researched again. The claims department now states that they found the funds XXXX but only partial XXXX {$550.00} XXXX, and that the other {$460.00} will be debited from me on XXXX/XXXX/XXXX. I just find this very strange that at 1st they stated they could not find the funds and now they found it but only half of it, my question is what happen to the {$460.00} that they started they could not find. I have been a customer of Bank of America for over 10 years I have never had a problem with Bank of America. 

XXXX XXXX, in the claims department stated he was going to call me back on XX/XX/XXXX and, still haven't reached back out to me about my claim.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (CA)

There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-04-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WESTSTAR MORTGAGE CORPORATION (MN)

WestStar Mortgage Corporation sent me a bill for my mortgage payment due in XXXX that did not arrive until after its due date. I paid the bill in a timely manner, but was still charged a late fee. 

Prior to receiving the late bill in the mail, I contacted WestStar Mortgage to tell them I had not received the bill. I was concerned that it was going to be late and wanted to let them know that I would pay it as soon as I received it. 

After the late fees were issued, I called and left several messages for someone named XXXX that was supposed to be helping me. There was no communication from her. I'm still told that the best approach is to leave her messages even though there is no communication back. 

I tried to proactively set up online payments to avoid paper bills from WestStar that frequently days before they are due. WestStar mortgage continued to request that I send an email to them with my social security number and account information. This is not compliant with any requirements regarding the protection of consumers personal identifying information. I told them I was not comfortable doing this. After several calls I was able to enroll in a third party online payment service. I know I am not the only person who has had this experience with how WestStar is doing business. They are using " slow mail '' as an excuse to charge late fees and not working with their customers on alternative payment methods.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (PA)

I have received new social security number. Previously I was using Individual Tax Identification number ( ITIN ). American Express is still using my ITIN even though I have requested them to update my new social security number in my records. I have mailed them cover letter, photocopy of SSN, photocopy of Drivers License and the documents were delivered to Amex at XXXX XXXX, TX on XX/XX/2021. I have called AMEX customer service to know if my social security number is updated. I was told that they have received my documents. But still my records are not updated with my social security number. Due to this, I am not able to get my credit report.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (MS)

After monitoring my credit reports from all three bureaus I noticed a collection for {$120.00} from COLLBURXXXX  and dated they received XX/XX/XXXX so I called to request details so i could determine if this was a true bill or not and the person was informed I was recording the call as well and that this was not my bill and could she give me the any information the account number, dates, amounts, coverage of insurance, anything that could prove it was a bill owned by me or send me what she had be cause that wasn't enough etc. and she sent me a link to " virtu '' pdf and on this was NO INFORMATION except my name, date of visit, a date 9 days later when it was filed and nothing else no social, no DOB, no address nothing. then I started researching what to do and I learned about " XXXX debts '' and debit collector scams and that this COLLBURXXXX  had not contacted me and had no information and stated there computers had been down is the reasoning for not reporting to bureaus or contacting me, so I went further and background checked the individual that the email came from and needless to say if its the same person which it only pulled one who sent the email she has been arrested for theft a few times. 
The Email was sent from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Did know what to do other than send a certified letter requesting debit validation but wanted to also contact you
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Received a debt collection from XXXXXXXX XXXX  saying I owed money to PayPal on the amount of {$1200.00}. Culprit used my name and number but after calling PayPal I realized they used a different email. XXXX. Paypal collection says that the account was closed in XX/XX/2019. I received no mail from PayPal before it went to XXXX XXXX.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

I got a text message from phone number XXXX threatening me with lawsuits etc for debt from American Express. I was victim of identity theft and had informed all these companies of the same. Please see below the text content. 

ATTN : XXXX XXXX, I received an order in my office today to complete the filing of lawsuit towards your American Express Card. You are currently being investigated for the same at this point of time as it's a case of debt evasion. 
I'll be verifying your current address and your employment history. In the meanwhile it's your responsibility and legal right to contact the plaintiff prior to being served by subpoena. 
The best number to reach the plaintiff would be XXXX. 
Failure to comply will result in forfeiture of your right to dispute the matter and a complaint will be filed in your local county.

Kindly consider this as a legal notice and not as a threat or warning.

Regards American Express.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMENT Address : XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC Dear MIDLAND CREDIT Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2021-04-21
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. (FL)

I previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how TransUnion, XXXX  and XXXX  reporting fraudulent accounts. I have never done business with such companies.
Consumer complaint received 2021-04-21
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. (NY)

I recently challenged the accuracy of this account ( XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by Experian before my dispute and/or after my dispute was completed. XXXX  is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX XXXX  XXXX, 920 F. Supp. 80 ( e.D. Pa. 1996 XXXX. Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.