davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

On my XXXX credit report a debt to XXXX XXXX for {$1000.00} for services on an address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This is not my debt I have never lived in XXXX XXXX SC or anywhere in South Carolina nor have I ever given anyone permission to open an account in my name. When I disputed this charge with XXXX they told me to contact the collection of Amisher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX for a resolution. I have written to Amisher Collection Services but they have not given me the courtesy of a reply. Also XXXX said they could not remove the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

So I am asking that you have the XXXX XXXX debt and the address of XXXX XXXX XXXX, XXXX XXXX, SC XXXX removed from my credit report as neither of these things belong to me and should not be on my credit report. 

Thank you for you assistance in this most depressing matter.
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (LA)

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) Equifax : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
Consumer complaint received 2024-10-09
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My personal information i.e. - first name, last name, home address are inaccurate ( XXXX, Experian, XXXX XXXX ). There are 2 charge offs ( Experian, XXXX XXXX, XXXX ), 1 Collection ( Experian, XXXX XXXX ), and late payments ( XXXX and XXXX XXXX ) and inquiries ( Experian ) that I have disputed numerous times and the credit bureaus keep giving me the same response. I also contacted all the agencies directly to take everything off and NEVER get a resolution.
Consumer complaint received 2018-04-24
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. (NC)

On XX/XX/XXXX, I sent a letter to all three credit bureaus requesting that they investigate errors that appeared on my credit report. I had no problem receiving a timely response from XXXX and XXXX XXXX, but Equifax still has not responded. They are supposed to respond within 30 days, but we are now going on 3 months without any response from Equifax.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

Received unsolicited offer for XXXX XXXX gold credit card in mail XX/XX/XXXX. Was promised XXXX bonus miles, so requested card. When it arrived, I had a question about online access, so I called their customer service number on XX/XX/XXXX. Was told during this conversation that I was ineligible for the offer because I'd previously had a similar card several years ago. This restriction was nowhere on the Terms and Conditions of the offer I received. I would never have accepted the offer if I'd known that. This is false advertising. I have canceled the card because the company refused to honor the offer they made and I accepted, but I resent the hit on my credit because of their misleading offer.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (TX)

I was contacted by Phoenix Financial Services on my business phone during business hours. They called serval times and hung up after each ring. They asked that I verify my personal information, I refused and asked that they verify who they are and why they are calling. The rep refused to provide any details about the company. He stated that I owe a medical bill to them but would not give me any information about the alleged debt or the medical facility where the services were provided. ( I owe no one! I have Insurance that covers all my medical needs ) He mentioned someone else 's personal information mixed with some personal identifiable information of mine. This sounds like a merge of information!! I'm not sure. I don't know who Phoenix Financial Services are AND I've seen where they have been sued many times for their deceptive and aggressive collection practices. I will report them to any and every platform. ( XXXX ) ( XXXX ) ( CFPB, YOU GUYS ) and the ATTORNEY GENERAL. As I have RIGHTS as a consumer! ( FDCPA ) ( FCRA ) ( FTC )
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

At XXXX a.m on XX/XX/2018 I received a dispute alert from Experian with a report no XXXX. I reviewed the results, XXXX XXXX still remains and address was changed to XXXX XXXX XXXX, Md XXXX with an address id XXXX. On Experian it has became common practice for creditors to intentionally report errors to personal information to avoid the main dispute. Experian has not resolved dispute instead they offer consumers products to avoid errors etc that I find they participate in. 

I went to the section to dispute items it says XXXX XXXX dispute still under investigation. Experian alleges they are not the one to  update consumer address. Experian allows creditors to put anything they want on consumer file without verification but show bias in disputes.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (LA)

Complaint against LOANDEPOT.com I have been sending checks to pay my mortgage since XX/XX/2018 ( for the months of XXXX, XXXX and XXXX ) and they never get cashed. I also signed up twice for bank auto-payment and I get kicked a letter letting me know I got out of the auto-payment system a week later because they argue the name of my bank account is not the same as the name on my mortgage, which is not true. 
Now I am getting late fees and the only way to pay is by calling on the phone, getting an assistant and giving my card information. I am not able to do this every month because I travel a bit for work. 
I have called the company Loan Depot.com on several occasions to solve this, the assistants say that I am simply not sending the checks ( and implying I am lying about payments ) and that they can not do anything for me. 
Also, now I am not sure who to pay the mortgage and the lapsed payments because I got a letter saying my loan has been sold. 
LoanDepot 's inability to cash my checks and keep me on the bank autopayment system is going to affect my excellent credit history.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a 605b fraud affidavit. 

need to have these fraudulent inquires removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX # XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Due to Equifax 's mishandling of my credit information, I placed a freeze on my Equifax credit report. At that time I was provided a pin to manage my credit report. THE PIN DOESNT WORK and I am faced with the prospect of wasting more of my time and energy correcting a problem initially created by Equifax.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). 

That is NOT sufficient validation of me owing the debt.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX reported an open and up to date account on a capital one card.I asked for this card and he said it was showing closed a few years ago on his end.There are also recent inquiries on the account.Anything automotive related is me and a chase bank for a checking account today was summited today.It kicked back a we are sorry, and reported to XXXX.Which is what lead me to check XXXX XXXX today.I received emails and things in the mail saying I was part of 1 or 3 breaches that recently happen.Im not sure what to do.
Consumer complaint received 2018-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through XXXX  on XX/XX/XXXX, on XX/XX/XXXX I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called XXXX for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with XXXX. 
I also disputed this information with Transunion, and received the confirmation email also on XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.
Consumer complaint received 2018-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Recoveries, Inc. (CA)

This story goes pretty far back so I am going to try to be brief about it. 
In XX/XX/XXXX I took out a student loan, it went into default in XX/XX/XXXX. I got out of default on a rehabilitation program but due to lack of income and stable work I could not make my payments so it went back into default and into collections. 
At this time the company XXXX XXXX told me on the phone that my tax returns were flagged to be garnished to pay off the debt. I agreed and continued to file yearly and for 5 years I did not receive a return. I thought the loan was being paid off, as naive as it may sound, i thought this was all true. 
5 years ago I started receiving my returns again and when I checked my credit score, low amd behold, my student loans read at {$0.00} balance and closed. I felt relief. 
XX/XX/XXXX of this year my employer brings me a wage garnishment letter [ attached ] and that I owe almost {$10000.00} on my student loan. When I called the company to ask what this was about, they informed me they bought my loan in XX/XX/XXXX and because I did not contact them, they have rights to garnsh my wages. I chose to dispute this as they gave me the option to. I even called IRS about all the returns I didnt receive. They said they were never told to garnish my returns and they have been sent to me every year. I couldnt believe it. 
The letter they sent back to my dispute [ also attached ] was plain ridiculous. They said it is the credit bureaus resposibilty to report there loans, not theres. This has not been reported to anyone and they claim I have to pay almost double my loan in penalties and oh yea, there commission of just under {$2000.00} [ in there letter ]. This can not be legal. All 3 credit bureuas told me that it is the loan holders responsibilty to report the collection account within 90 days, its been 4 years ....!!!!! Please help me resolve this, they refuse to budge on there standings and they are wrong on so many levels in this for letting a collection account gain interest and fines and penalties for 4 years and then try to take the last bit of my paycheck that puts food in my mouth. 

Company name is : National Recoveries , Inc . 
Department of education National payment center
Consumer complaint received 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX XXXX XXXX is trying is trying to illegally place hazard in insurance on my mortgage with out my consent for there finical gain when I called tonight to find out why I have nor received my escrow refund the automated system told me they would start charging me for hazard insurance when I tried to get a hold of a agent I was put on hold for around 20 minuets and the cut off this is not the first time this has happened I also have nor received any letter phone call or email or any other type of communications about hazard insurance I live in a town home the association is required by law to have a master hazard insurance witch has not changed loan servicers have a history of take peoples homes and pays XXXX 's on the dollars for there fraud and staying out of jail I will let theme defraud me out of any thing I also believe this will go on there permanent record and I will be contacting other agency 's about this
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (VA)

I received a bill from XXXX XXXX after an emergency room visit. The amount was over {$600.00} so I started making payments on it, which I have always done in the best. After paying half of it off ( {$150.00} per month ), I received a call from a debt collection agency. I notified them that I had been making payments of {$150.00} each month. They stated they had seen the last payment of {$120.00} on XX/XX/2018 ( which I again had sent in {$150.00} ). I called XXXX XXXX back to find out what was going on and they stated that since I did not set up a " formal '' payment plan, they had the option of turning my account over to a collection agency. I had to then call the collection agency back to set this up. 

I resent that XXXX XXXX went to a collection agency, even though I was paying a good amount each month and I had done this is in the past with no problem. I'm not sure at this point why they would state that they received the payment of {$120.00} when I have been paying {$150.00} each month. This was not necessary to turn me over to a collection agency to damage my credit when I have been paying.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (TX)

I am writing this letter concerning National Credit Adjusters , L.L.C. Account number XXXX, address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
This matter is up for litigation due to a data breach. I wrote the company XXXX National Credit Adjusters L.L.C ) for debt verification of this debt being owned by XXXX XXXX XXXX. 
I am requesting that this collection be removed off of my account immediately.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through Equifax on XX/XX/2018, on XX/XX/18 I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called Equifax for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with Equifax. 
I also disputed this information with XXXX, and received the confirmation email also on XX/XX/2018. Today is XX/XX/18 and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.