davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Bison Recovery Group, Inc. (NJ)

On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and noticed that I have a new credit inquiry from XXXX as of XX/XX/XXXX. I have been a customer of XXXX since XX/XX/XXXX. I did not authorize an inquiry and I suspect attempted ID theft.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-28
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (CA)

XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws. 

I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars. 

My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later. 

About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint. 

My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged. 

The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector. 

My credit score, which was formerly " very good, '' was also impacted XXXX points.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have recently pulled out my credit profile from equifax company. I have found out XXXX account that is incorrect, that is reported from Collection agency. After sending letters to the Collection Agency who has listed an item on my file, to ask them validate my debt. But I have n't received any legal documents that proof of debt, such as acoount statement, name of original creditor, and registered agent number, and so on. I asked them to delete from my credit file if they ca n't validate my debt, But they still keep reporting to credit report company while they ca n't validate my debt. 
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchSincerely Yours, XXXX XXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Experian is reporting XXXX inquiries on my credit report. I 've contacted them and the companies several times to get them removed due to being a victim of identity theft. I 've never applied for credit with these companies. XXXX out of the XXXX are n't from my request. Please find the screenshots of the unauthorized inquires. 
1.XXXX XXXX- XXXX-unauthorized 2.XXXX- XXXX unauthorized 3.XXXX XXXX XXXX unauthorized 4.XXXX XXXX XXXX XXXX-unauthorized 5.XXXX XXXX XXXXunauthorized 6.XXXX XXXX XXXX- XXXX-unauthorized 7.XXXX XXXX ( Unclear about this inquiry thought this was me checking my own credit and did n't know this was a hard inquiry )
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding LLC, has reported to XXXX that I owe them {$230.00} for which is absolutely erroneous. 
This an official complaint of dispute. 
1. ) The alleged creditor is a computer, that has generated this fraudulent debt of {$230.00}. 
2. ) The alleged creditor can not validate with an notorized " Affidavit '' that it is not a computer. 
3. ) The alleged creditor can not provide a singed agreement between the alleged original creditor to validate the claim that the consumers personal information belongs to the alleged debt of {$230.00}, in compliance with Fed R. Of Civ Pro 4, ( Probable Cause ). 
4. ) The alleged creditor can not provide a copy of the alleged original creditor, " Notice of Service '', in compliance with Fed. R. Of Civ Pro 4. 
5. ) The alleged creditor is in possession of the consumers email address, date of birth, SS #, previous home addresses, present home address, phone number, back acc info, and seeks to utilize said info across the state lines of Ohio and Mo, via U.S. Postal and or via internet to obtain U.S. currency, for which the consumer views as identity theft, libel, slander, cyber terrorism, tax evasion, money laundering. 
6. ) The alleged creditor seeks to confirm the claim of debt by submitting my personal information, without submitting any affidavit that would allow the consumer to know any of their personal information, needed to file complaint with The Federal Court. 
7. ) The maliciously filed debt notice appears as public record on file with theXXXX major credit bureau s, XXXX, for which has caused the consumer atypical and significant hardship due to deformation of character.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC (OH)

I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian shows a Bankruptcy on my credit report. I do not have ANY Bankruptcy. I disputed the information with Experian. Experian said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX XXXX XXXX XXXX XXXX. We have completed our investigation and the disputed information in your XXXX XXXX XXXX report has been modified or deleted where applicable. I sent the XXXX XXXX investigation letter to Experian but the negative sill appears on my credit report. Letter was sent XXXX XXXX, 2016 via USPS certified mail. Letter was signed for on XXXX/XXXX/2016 at XXXX XXXX and I am in possession of the return receipt.
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

Received a letter from Resurgent Capital Services : Current Creditor LVNV Funding LLC stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt LVNV Funding LLC will not sue me and will not report it to any credit reporting agency. So LVNV Funding LLC has placed this account with Resurgent, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

My legal name is XXXX XXXX XXXX My physical address is XXXX XXXX XXXX XXXX, ca XXXX I am Self Employed at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, ca XXXX i need the other names, addresses and employers removed from my credit report as they are no longer 100 % true and correct. thank you
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Two years after I thought I paid off my student loan Navient contacted me, without introduction, asking me to pay off my student loan. What loan, I thought, they I have another loan I was unaware of? The long and short, after six months of hounding me, along with the XXXX, ( not their fault ) they finally certified the loan " paid-in-full. '' However, the experience was a big pain : calls, letters, more calls, more letters, more calls_ususally a call center in the XXXX. Talking to them was like talking to a wall. I kept asking for an " amortization schedule '' to no avail, just a useless list of how the money was disbursed. Finally I spoke to an some specialist " adviser '' with them. I insisted I would not pay anything without an " amortization schedule. '' But, he said, that will take a lot of time. That 's when they " forgave '' the loan. They are the worst. Now I 'm concerned that all these years they may have mishandled my loan without my knowing.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-06-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Concord Resolution Inc (Closed) (OK)

A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN, Bank Info, ect. 

XXXX. I have n't received a PayDay Loan. 
XXXX. None of this shows in my credit report. 
XXXX. Concord Resolution keeps calling me incessantly with an automated message to call them and " file a formal statement on my behalf ''. 
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this matter.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Hello, I purchased my car from XXXX XXXX via Huntington National Bank financing on XXXX XXXX, 2012. It has recently come to my attention that my interest rate was not a reflection of my credit score at the time of purchase but rather an unfair Increase in order to make a greater profit from me. As a woman, with very little knowledge and experience about car buying I feel taken advantage of from XXXX XXXX and Huntington Nation Bank. 

At the time of purchase my credit score was about XXXX and my interest rate for this loan was quoted and charged at 9.50 % APR. I think this rate is too high for my credit score at the time and XXXX XXXX and Huntington National Bank used unfair credit practices towards me. 

Thank you, XXXX XXXX OH, XXXX XXXX XXXX
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should.