davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TN)

This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. 
SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account is involved in litigation. This has been going on for over 1 year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello and good day, this is really stressing me out - this inaccurate item you keep reporting on my credit report has already been DELETED by both XXXX and XXXX and have been blocked from reporting, yet you are still putting a " Charged off '' payment and a " Account legally paid in full for less than the full balance. '' remark which is absolutely false and a blatant violation of my consumer rights.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (KS)

XXXX XXXX XXXX XXXX from XXXX XXXX has contacted my director of HR to " deliver '' a package to me. The following are the issues. 

1. They are contacting my HR with no legal ground. 
2. I do not owe this debt. 
3. They are impersonating another law firm. The photo on their website actually belongs to another real attorney. I discovered this with a reverse image search on XXXX. 
4. They are clearly not a legal company based on my conversations with them. I repeatedly set on hold for 1-2 minute intervals when them popping back on to see if i was still there. Once I asked to talk to the manger I was on hold for 10 minutes and then got sent to " XXXX from maintenance '' 5. They claim they mailed me a letter 45 days ago. They have the right address. I DID NOT get a letter. 
6. They claim they have tried to deliver a summons to me. They have my phone number, home address, and work address. It would require no work to serve me. 
7. They claim their is a current legal case open with me but can not provide a case number or the court it is with. 

This is not a debt i owe and they are not a legitimate company. I need them to not contact me or my employer ... .. 


Their website XXXX XXXX XXXX The image they are using on a real lawyers site ( I contacted this law firm and let them know ). The image is towards the bottom. 
XXXX XXXX XXXX The site on their number will not work. Their actual number is XXXX
Consumer complaint received 2018-09-24
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 (CO)

I have an account that i have never paid late but they reported my late 2 months. I always paid online and was given notice that my payment was always paid on time but a couple times i got notice 30 days later that due to a website problem my payment was never received. It was reported as late on my report and effected my score negatively and they won't correct their mistake.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

1 ) Equifax is reporting inaccurate account information from XX/XX/XXXX which is causing my score to be significantly lower than it should be. It shows last reported date as XX/XX/XXXX with a {$1000.00} balance and current, it is XX/XX/XXXX. Last report by my credit Union was on XX/XX/XXXX  and showed a balance of {$0.00}.

2 ) I can not submit a complaint with Equifax because they refuse to update my address back to my XXXX XXXX XXXX. I have had all of my personal sensitive information sent to my XXXX XXXX   after my second identity theft incident in mid XX/XX/XXXX. Equifax continues to arbitrarily update my address based on inquires when I have expressed that the mailing address should never change to ensure I am not a victim of identity theft again or via a formal written request submitted by me.
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TN)

I purchased 4 phones and services from XXXX. Prepaid 1 month service and taxes. Over {$400.00}. 
I only activated 1 phone. We couldnt get setvice. XXXX tried to fix it. No luck. We returned the phones within 10 days. I only got a partial refund. 2 months later I get a collections account added to all of my credit reports. Ive call the store and customer service. I learned that the collections company is part of XXXX. I got no where.
Consumer complaint received 2018-09-18
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (MO)

Violation of Fair Credit Reporting Act. Re-aged Voluntary Surrender from XX/XX/XXXX to XX/XX/XXXX. 

Contacted Vanderbilt Mortgage on XX/XX/XXXX to settle mobile home mortgage collection account that was a voluntary surrender in XX/XX/XXXX. Spoke to XXXX. 

Balance due : {$5000.00}. 

Agreed to settle for {$1200.00} within 90 days with remaining balance to be forgiven. 
Made the following payments via www.vmf.com online payment system : XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} Settlement paid in full in 37 days. 

Credit Bureau payment submissions by Vanderbilt Mortgage ( XXXX ) :  XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Collection Account - Balance {$5000.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) - Balance {$4400.00}. 

XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX ) /Account Paid for less than full balance/Account Paid in Full, was a voluntary surrender - Payment " OK '' ( XX/XX/XXXX ) Balance {$0.00}. 

( XX/XX/XXXX - Spoke to XXXX concerning XXXX not being updated with a {$0.00} balance. He was rude with me and told me to " take it up the the credit bureau. '' I filed a dispute with XXXX  the same day due to Vanderbilt Mortgage failing to update balance on credit file. ) XX/XX/XXXX - Voluntary Surrender ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) **XX/XX/XXXX Voluntary Surrender payment history deleted** - Account paid for less than full balance/Account paid in full, was a voluntary surrender - Balance {$0.00}.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Second Round Limited Partnership, Austin, TX Branch (MI)

I have 2 collections account from a company I do not know of. I have disputed this on my credit report and they say the debt is valid, without showing proof of signature. Second Round insist that I owe this debt. I would like it removed from my credit report or they need to provide proof my signature for the debt they say I owe.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D. SCOTT CARRUTHERS (CA)

D. Scott Carruthers XXXX is attempting to collect a fraudulent debt not belonging to me. 
I am the victim of Identity theft. My personal identification cards, SSN Card, Drivers License, U.S passport, and bank statements were  stolen from my home. 
I am disputing the validity of the debt of {$4500.00}. The debt of {$4500.00} has never belonged to me and was obtained by unauthorized use of my identifications. 
I will not pay or intend to pay this debt because it does not belong to me. 

D.Scott Carruthers XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate  notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-23
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)

Hello, I submitted a written request by mail for Equifax credit Bureau on XX/XX/18 to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, Equifax, and XXXX over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from XXXX on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Equifax, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Equifax credit Bureau did not provide me with any verifying documentations with my signature on it. 
My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all the reporting Credit Bureaus Equifax. Thanks so much for looking into this important matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC (VA)

In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.
Consumer complaint received 2018-09-22
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. (TN)

I contacted equifax online over 1 month ago to dispute a duplicate account. All the information is the same except the name, one says XXXX and the other XXXX XXXX XXXXXXXX XXXX/XXXX..Equifax came back with results and verified as both correct. I called this past Monday XX/XX/XXXX and talked to XXXX for 45 minutes and submitted another dispute and it came back yesterday as both correct. I called last night XX/XX/XXXX and talked to XXXX and explained the same thing and he submitted another dispute. Equifax spends more time and money sending everything to the XXXX than protecting Americans. I'm the one that has to keep contacting them over and over again, than them just following the FCRA. Also, Evertime u call Equifax they say there system is down..Please help me
Consumer complaint received 2018-09-23
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. (VT)

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX   continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX  have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

on XX/XX/2018i was sent a card WITH MY FULL NAME EMBOSSED ON IT. i did not request this card, apply, or in any way have EVER done ANY bussiness with this company. i could not get to talk to an agent as their phone system asks for my social security number before putting me through a rep and i am not giving them my social
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I disputed the validity of the bankruptcy information being on my credit reports with XXXX, XXXX and Experian. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my XXXX XXXX on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. XXXX XX/XX/2018 I received a letter from XXXX   saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX  others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX   working jobs from the season and unemployed ... The i.r.s. charges like XXXX dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the DHS, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX