davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  appeared on my credit report with XXXX  and XXXX stating that I owe a payday company by the name of Easy Money. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX  for XXXX, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
Consumer complaint received 2018-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
Consumer complaint received 2018-06-09
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. (TX)

I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, Equifax, and XXXX XXXX via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX  in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX   before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

We sold our home ( officially closed ) in XXXX  on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (LA)

After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I contacted the Equifax office of consumer affairs on XX/XX/XXXX to request a copy of my credit file. I was advised that someone would contact me. I did not hear back from anyone so I contacted them again on XX/XX/XXXX. Once again I was told that someone ( the person handling my file ) would have to contact me back. I contacted them again on XX/XX/XXXX and was finally told by a representative that they would send the report out to me.
Consumer complaint received 2018-06-09
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. (TX)

I have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IL)

Equifax has mishandled my credit information putting myself and millions of others at risk. They have flagged me as a potential victim according to their equifaxsecurity2017.com website, and I would like a resolution to this problem. Equifax knew about this issue and waited days before making it public, putting my personal finances and those of others at risk.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CO)

Equifax allowed hackers to steal my personal information including DOB, SSN,  former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (MO)

Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.
Consumer complaint received 2018-06-09
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. (MD)

From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (MO)

This is in regard to the Equifax security breach. I am listed as a potential victim on the equifaxsecurity2017.com site. I see the lack of security as a mishandling of my information.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TX)

Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (ID)

Timeline of events : XX/XX/XXXX Pulled credit report, Bankruptcy listed.XX/XX/XXXX Sent letter to BK Court verifying reporting to CB.

XX/XX/XXXX Called Lexis Nexis to remove, they " verified '' bankruptcy.

XX/XX/XXXX Received letter from BK Court.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent letter to Lexis Nexis certified asking to verify.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent 2nd letter to Lexis Nexis with letter from BK Court to verify 2nd time.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy again.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

*XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX   job that I could receive student loan forgiveness.

XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX  status *I contacted XXXX   and they agreed ( never told me to fill anything out in the past ).

*Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ).

*They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have never been late on my XXXX XXXX Account. My account is up to date Experiannis reporting as delinquent for 30 days. I've always paid this acct on the due date or prior. I reached out to Experian to have this corrected and they did not update my report. It is hurting my credit score substantially. I w reaches out to XXXX and XXXX and they discovered the error and have since updated my report. Please have this updated asap to current account.

Thank you!
Consumer complaint received 2018-06-12
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. (CA)

My current car loan which show it being with XXXXXXXX XXXX XXXX on Equifax and XXXX but shows XXXX XXXX XXXXXXXX XXXX on my XXXX  report is being reported late every month on Equifax and XXXX but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Consumer complaint received 2018-06-12
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. (NJ)

Transunion is refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.
Consumer complaint received 2018-10-10
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. (KS)

I had XXXX XXXX credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.