davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00}.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ABSOLUTE CREDIT  LLC (NY)

On XX/XX/2017 I went to medical clinic in XXXX NY when I was in college XXXX XXXX XXXX I had XXXX and then had XXXX XXXX to the XXXX. The doctor transferred me to XXXX XXXX by ambulance I did not consent to this because I was given XXXX XXXX The cost was {$1700.00} and my insurance XXXX XXXX XXXX, would only cover the cost if proper reasons are given for ambulance use from one facility to another facility. The ambulance company XXXX XXXX XXXX will not provide proper paperwork, XXXX XXXX and XXXX XXXX XXXX will not follow up. I have insurance through my Dad who is a XXXX XXXX. We are trying to straighten this out but everybody is pointing at the other guy and the collection company is threatening me all the time nonstop. How do I straighten this out. Please Help. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NYXXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX.
Consumer complaint received 2023-02-01
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. (AZ)

Despite

the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately : XXXX XXXXXXXX Date Opened : XXXX  Balance : {$17000.00}
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (MD)

The CBE Group ( Collection Agency ) sent me a letter stating that I owed money to XXXX in the amount of {$950.00}. I have never shopped on XXXX. The company indicated that the debt was from XX/XX/22. I do not owe XXXX any debt. I suspect this is a result of identity theft. More importantly, the letter did not even state what I was supposed to have purchased from XXXX.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (TX)

XXXX Please review my auto loan the dealer send the company aca American Credit Acceptance a fraudelent drivers license did not give consent or did i have any knowledge that. The dealership had done that my loan shouldbe review again and the complaint please help
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had lost my job and didnt have the money to pay the credit card bills and its bring my credit down really bad Im really needing a new vehicle but cant because of that.. i have a full time job now as a machine mechanic i make great money now so i can afford to pay for the payments i been paying them so Im tryna get these off so i can build my credit back up. Thanks
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

On XX/XX/XXXX, while applying for a mortgage, my lender made me aware of a major derogatory account on my credit reports from XXXX and XXXX. XXXX XXXX XXXX subsidiary XXXX was attempting to collect a debt of {$750.00} from me through XXXX XXXX XXXX ( XXXX, FL ) collection agency. I had never had a XXXX account. 

I opened disputes with XXXX and XXXX on XX/XX/XXXX both of which were resolved in my favor. The item was deleted from XXXX report on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I have attached reports for both disputes. ( I should note that the presence of this item on my credit report had a negative impact on the interest rate on the mortgage for which I was approved ). 

While going through my credit report again on XX/XX/XXXX I became aware of another debt collection claim against me from XXXX which had been filed on XX/XX/XXXX. At this time XXXX hired Credence Resource Management ( XXXX, TX ) as the collection agency. I immediately filed a new dispute. 

On XX/XX/XXXX I received a Fraud Packet from Credence to my actual home address which they were apparently able to obtain through the dispute I opened with XXXX. The gist of the letter was that I had filed a fraud and identity theft claim and that in order to make this claim I was required to send Credence an affidavit, valid US government issued ID and a police report. Of course, I had not made a claim of identity theft, but mistaken identity. The situation was more like debt tagging but with the creditor rather than the collector undertaking the debt tagging by hiring successive collection agencies to refile the false claim. 

On XX/XX/XXXX my XXXX score was decreased by XXXX points and my credit rating was downgraded from very good to good. There were no intervening alerts in my credit report to explain the sudden and substantial decrease in my XXXX score. 

I should note that only XXXX acknowledged Credence Resource Management Cos effort to flag me as a credit risk. I continue to be in touch with XXXX to resolve the current dispute which is little more than a zombie version of the claim I discovered in XXXX. 

It is very important that this matter be resolved once and for all and that XXXX in particular be held accountable for their actions. It is an undue burden for consumers such as myself who are working hard and paying their bills on time to have to constantly be on guard for false debt claims from large corporations whose incompetence causes real world consequences for consumers.
Consumer complaint received 2023-02-01
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. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-01
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2023-02-01
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. (CA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-01
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: Consumer Adjustment Company Incorporated (TX)

XXXX XXXX XXXX Original Creditor : XXXX XXXX Open Balance : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

Myself and my husband refinanced our current mortgage with Freedom. We decided to stay with Freedom as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. Freedom mortgage acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by Freedom mortgage to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did Freedom mortgage report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from Freedom Mortgage has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of this.
Consumer complaint received 2023-02-01
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2023-02-01
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. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/XXXX, I received a suspicious email from Midland Credit Management XXXX XXXX ( MCM ), a debt collector stating they were trying to collect on a XXXX XXXX  debt allegedly owed to MCM. According to MCM, an XXXX Card Account through XXXX XXXX  was sold to Midland Credit Management on XX/XX/XXXX. As a result, MCM, a debt collection company, would be collecting on and servicing my account. Per MCM, a XXXX XXXX  ( XXXX ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from XXXX indicating that a minimum payment of {$260.00} was due on XX/XX/XXXX. A payment of {$140.00} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$18.00} to prevent further collection activity. I made this payment of {$18.00} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to XXXX XXXX  . Please save a copy of this for your records. XXXX XXXX  will apply this payment to your XXXX Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$18.00} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from MCM indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to MCM on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$18.00} ). On XX/XX/XXXX, I logged into my XXXX Credit Card account through XXXX  and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$150.00} or the minimum due of {$180.00} on XX/XX/XXXX. I scheduled a payment of {$180.00} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through Account Assure. A previous complaint was filed with CFPB against XXXX ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the XXXX website due to technical issues on their end.
Consumer complaint received 2023-02-01
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. (OK)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mediation Recovery Center (VA)

This company is purchasing 12 year old debt. A debt that I settled with the original creditor in 2009. This company out of no where, has filed inquiries on my consumer report causing it to decrease by points, they have been harrassing me by email looking for money for a years old debt. I advised the person XXXX XXXX not to contact me by writing or phone ever again, or they would be reported for harrassment. They are now harrassing me with annoying letters asking for money I do not owe them. They are also threatening by letter to pursue further collection efforts on a debt over a decade old, and attempting to call and harrass.
Consumer complaint received 2023-02-01
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. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-01
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. (OK)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX