davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (VA)

I have received 2 phone calls within 8 hours. The debt is not mine it is my fathers I understand they have a job to do but they only call just give me their name with out a company name and reason for calling till I tel them my name. My father and I have the same name which I also understand can become confusing. The two individuals that did call me as soon as I gave my name then went into a ti-raid about me owing a debt and they are a collection agency and I had to raise my voice so they would be quite and so I could ask a question which is what is the age of the person they are looking for at which time I told them that I am 30 years younger and they have the wrong person and I ask where did they get my number from they said its on the file and if I could give them my fathers phone number. I asked for the company that gave them my phone number erroneously and they said they can not give me that information I told them on the first call fine just take my number off the list, it is not his number nor has it ever been his number and they need to get the right number from the company that he is in collections for, the first lady said she would take my number off. Now 8 hours later same thing happens and I even talked the manager on duty told me the same thing and since I'm related they can not take my number off the record, which tells me that I will be getting constant harassing phone calls for something I did not even do or have control of. I have good credit and have never had issues since I was very young but for GC Services to harass me because my elderly father is a bit extreme.
Consumer complaint received 2019-12-18
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)

I faxed in an FTC report, copy of ID, social security card and proof of address to Experian as well as a letter advising them of fraudulent accounts being reported on my credit. I clearly stated that the XXXX XXXX XXXX account was fraudulent and asked that they block the information pursuant to section 605B of the FCRA. They have not. They have responded that this account was verified. This was faxed in XX/XX/XXXX and a hard copy was mailed on XX/XX/XXXX. This account should have been blocked within 4 days of receipt and Experian is in clear violation of my rights. Also, be advised that XXXX  has DELETED the account so how is it possible that Experian has verified it and how can something that is clearly fraudulent be verified?
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I am currently pursuing Public Service Loan Forgiveness. I have a subsidized and unsubsidized Stafford loan, which were initially applied for and I make my payments together as one payment. I submitted the PSLF Employment Certification form recently. My issues are as follows : 1 )  When I received updated information about my qualifying payments, I believe FedLoans has made some errors in calculating the number of qualifying payments I have made. When I spoke with FedLoans customer service representative XXXX # XXXX, she stated that I was not credited for some months that I should have received credit for. For example, one loan sequence states I have made 77 qualifying payments, while the other states 86. 

2 ) The number of qualifying payments should be equal. Without transparency on how they made these determinations, I do not have confidence that 86 payments is even correct. 

3 ) From XX/XX/XXXX until present ( XX/XX/XXXX ), I was placed into Post REPAYE  Alternative Plan for not completing my Employment Certification form. The new amount I have paid per month is greater than what I would be required to pay under a standard 10 year payment plan at the time I started repayment. Should these payments count towards PSLF? Since I have completed the Employment Certification form and have been with the same employer during the period of payment plan changes, can these payments be retroactively applied towards PSLF since, this amount is equal or greater than I would be paying on a qualifying income driven plan? ( This may not be within your powers, but if borrower A and B have the same loan amount and work at the same place of employment, and pay the same amount but one is on an IDR and another on a different plan, why does the type of repayment plan determine why one borrower makes progress towards eligibility for PSLF? ) This issue is unrelated but frustrating as a borrower. My inbox with correspondence from FedLoans only retains letters less than 1-2 years old. Why is this?
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

In an attempt to contact Aargon Collections about debt, the company has not sent me any information in regards to the unverified debt. I created 3 disputes with credit karma and XXXX. After send multiple letters I have not received any information back verifying that this is my debt. I requested a Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement.
Consumer complaint received 2019-08-26
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. (GA)

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY  There are also inquiries on my credit report that should not be there either : 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
Consumer complaint received 2019-08-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-26
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : 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
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding filed a lawsuit against me back on XX/XX/XXXX in Ohio. By XX/XX/XXXX never heard anything about this judgement again and ignored it originally because had no clue what it was for.. They submitted a judgement to revive debt in XX/XX/XXXX clearly 6 yrs later and I believe OHIO has a statue of limitations on debt collection after 6 yrs that they no longer can. When judgement came in XX/XX/XXXX. I failed to respond due to mother being diagnosed with XXXX at that same time and it completely slipped my mind. Now XX/XX/XXXX they have filed to garnish non wages meaning attach my bank acct. I have no idea first off what debt this is for at All. Secondly how can they come after me after statue if limitations had expired. I need help on what to do to stop this!
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX credit! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Consumer complaint received 2019-08-29
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. (AL)

Hello! I was alerted by XXXX XXXX and transunion that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm XXXX and on Social Security, direct deposited into my bank. In XXXX, I was paying XXXX {$75.00} a month toward BofA debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, XXXX XXXX XXXX served me with a lawsuit representing BofA ( same debt ). XXXX XXXX XXXX tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with XXXX XXXX XXXX on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that XXXX XXXX XXXX was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). XXXX and XXXX may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. XXXX XXXX XXXX returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify XXXX XXXX XXXX he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.
Consumer complaint received 2019-08-29
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. (AL)

Hello! I was alerted by equifax XXXX and XXXX that a bankruptcy was on my credit report. So I wrote the credit bureaus twice requesting their method of verification and I received letter from each that are very confusing to me. I dont know how they verified as I wrote the Alabama US bankruptcy court and they stated that they do not berify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Consumer complaint received 2019-02-06
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 HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A XXXX  PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
Consumer complaint received 2019-02-06
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. (TX)

I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
Consumer complaint received 2023-12-28
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)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

This is the third time I have complained about this exact same issue. The first time the collection agency said " oh he owes it '' and that satisfied CFPB. Last time I said that it's not my insurance and the collection agency admitted that they had nothing signed by me and that satisfied CFPB. My wife attempted contact with the hospital and they refused to speak to her " because she's not the responsible party ''. 
Please. 
Respect yourself enough to do your job. 
The collection agency has nothing signed by me agreeing to a debt. I was not there. My insurance was not used. It's not my debt. I'm not the responsible party. There is absolutely no proof that this is my debt, because it's not. I was on shift that day, all day. 
Please investigate it. I can't afford a lawyer, and if CFPB did their job i wouldn't need one.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an inquiry that I don't recognize on my credit report. The company below checked my credit without my knowledge on XX/XX/23. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques (CA)

I'm XXXX and on Social Security, direct deposited into my bank. In XX/XX/XXXX, I was paying XXXX {$75.00} a month toward XXXX debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, Hunt & Henriques served me with a lawsuit representing XXXX ( same debt ). Hunt & Henriques tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with Hunt & Hunriques on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Hunt & Henriques took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that Hunt & Henriques was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). Hunt and Henriques may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. Hunt & Henriques returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify Hunt & Henriques he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.
Consumer complaint received 2019-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/19 - received notification from XXXX XXXX that a hard inquiry was made on my credit report from Bank of America. I am a victim of identity theft, so I know this is a fraudulent attempt to open a card in my name. 

XX/XX/19 - call Bank of America XXXX to cancel the fraudulent application and remove the hard inquiry from my credit report but the only thing they can tell me is that I have no active account, which is true, but that has nothing to do with my request, which is to CANCEL THE APPLICATION. 

XX/XX/19 - call Bank of American again, but once again, they are only able to tell me I have no active account. There is no way to cancel the application itself or remove the hard inquiry, even though I have been able to do this with fraudulent applications opened at XXXX and XXXX XXXX. 

Would like to cancel the application ASAP and remove the hard inquiry from my credit report.