davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (NV)

Midwest recovery systems has placed a collection account on my XXXX   and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX   score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.
Consumer complaint received 2018-05-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC (NY)

XXXX XXXX calls me and my girlfriend about 6 times a day, about 20 times in the last week. I called to find out the frequency of the calls and was hung up and continuously put me on hold.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX. Have been calling my job numerous times a day, my cell phone and leaving messages at multiples XXXX for me numerous times a day ( I work out of many XXXX  ) when you first answer the first, XXXX never identify his self. He asks for me as name and poses as a parent I work with. Or a parent inquiring about something. When I ask where he is calling from is when he identified his self. When I finally asked them to stop calling my job because I got in trouble I was told that they will sue me and had a very nasty attitude and was aggressive with me on the phone. After the man XXXX was done with me he place XXXX on the phone who tried to be nice but was nasty as well. I repeated myself for the 7th time to contact me via mail only and do not contact any number for me and they she proceeded to tell me that a lawyer will be involved and will be calling me. She doesnt understand if I was able to pay a bill for 4 years what happen. And they can take everything else from me. 

After that comment I was highly XXXX off. I said to her I dont owe her an explainatation and will like all the information they have on this account to make sure that I am the one that actually owe this debt. I am not sure if they will be contacting me again but I asked to be contacted via mail.
Consumer complaint received 2018-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of XXXX, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by XXXX points in a month. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
Consumer complaint received 2018-05-24
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. (GA)

To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and Equifax, XXXX, & XXXX. Please read the attached letter correctly.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

I have been dealing with XXXX since I graduated in XX/XX/XXXX. I had the loan in forbearance for several years, and each year they either lost the paperwork, did not calculate my forbearance period correctly, etc. Furthermore, I have consistently asked for information on consolidating my loans ( several times in writing ), but despite promises of sending me the information, I am still waiting almost 5 years later. Looking for consolidation information on their website is impossible, and any attempts to search for " XXXX XXXX '' and " consolidation '' leads to links resulting in an Error 404 page. In XX/XX/XXXX I applied for an income driven repayment plan ( IDR ). This was granted on XX/XX/XXXX and my new monthly payments were {$69.00} per month. 

In XX/XX/XXXX, I discovered, through one of my credit cards, that XXXX had declared my loan in default. When I called XXXX to find out what was going on, it took them almost an hour to determine that their system had bumped me out of the repayment plan *2 hours* after it had been granted and the confirmation email sent out. Yet I was never notified that I had been removed from the plan. They themselves acknowledged the payment plan and that I had paid it on-time and in full. But instead of fixing the acknowledged problem, I know have to go through this process of disputing it with them. They applied a forbearance period from XX/XX/XXXX through XX/XX/XXXX, using up all of my allotted forbearance time -- this was done without my permission. In the meantime, I am now off of the plan with no forbearance left, and they are continuing to show my payments as being in default.
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Have made several attempts to get finalization documentation on foreclosed property so I can apply for new home loan. 
Ref # XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, GA. XXXX
Consumer complaint received 2024-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unlimited Progress Corp (IL)

I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue us.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Kohl 's Store AKA Capital One in reference to ID Theft and TWO separate accounts opened in my name and charged causing me financial loss. 

Kohl 's fraud dept supervisor XXXX ID # XXXX refused to provide her last name, REFUSED TO acknowledged that TWO accounts even existed nor would she provide data on them to me. 

ATTACHED are two documents showing TWO separate accounts where opened that Kohl 's refused to admit to where opened, or shut them down when I notified them my identity had been stolen. She also told me Kohl 's did not want the merchandise and that it was to be donated. 

Kohl 's stated as a victim, they could not discuss the issue with me, that they where prevented by federal law from discussing it ( even though they could not site any specific law stating such ) AND refused to state what items where bought, where they were shipped, and if there where any other activity. 

Per the IdentityTheft.gov website my rights as victim where violated as stated below : Know Your Rights Heres an overview of your rights when recovering from identity theft. If someone is using your information to open new accounts or make purchases, report it and get help. 

" If someone steals your identity, you have the right to : create an FTC Identity Theft Report **place a 90-day initial fraud alert on your credit report **place a seven-year extended fraud alert on your credit report ** get free copies of your credit report get fraudulent information removed ( or " blocked '' ) from your credit report dispute fraudulent or inaccurate information on your credit report stop creditors and debt collectors from reporting fraudulent accounts ***get copies of documents related to the identity theft stop a debt collector from contacting you. '' Kohl 's refused to describe or give me documents relating to the ID Theft as required. 

In addition, all THREE credit bureaus refused to provide free credit reports, give 90 day fraud alerts or place seven year fraud alerts because they charge victims for each.
Consumer complaint received 2020-03-18
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. (CO)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-28
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. (CA)

On XX/XX/year>, I noticed that XXXX XXXXXXXX XXXX - account number XXXX was reinserted into my XXXX credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinvesting previously deleted information.

Certification of accuracy of information : The FCRA mandates that any information deleted from a consumers file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX  XXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to consumer : Furthermore, the FCRA stipulated that if any information deleted from a consumers file is reinserted, the consumer reporting agency musty notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of the XXXX XXXX XXXXXXXX account number : XXXX into my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency
m

ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
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. (DE)

I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have a new vehicle financed with XXXX XXXX. I wanted to re-finance my vehicle and requested pay off quote from XXXX XXXX ; my financial institution for re-finance assured me that my re-finance would be approved. I understand that I did not make payment because I did not want to get pay-off letters again n again. 
On XX/XX/XXXX, I requested Pay off letter and submitted it to XXXX XXXX XXXX for re-finance. Refinancing institution was backed up on the loan processing, so they requested new pay off letter on XXXX XXXX. 
I let XXXX know about my current situation, If they clearly told me that my account would be reported late ; I could have paid all amount on that date but I was not aware, I assumed that re-financing would be done sooner. I also emailed XXXX XXXX before my account was 45 days past due. Nobody stated to me that 45 days late reporting can not be stopped and it would be done automatically. 
I spoke with XXXX XXXX -Customer representative on XXXX XXXX and requested to not send my account for credit reporting as I am refinancing and also at the verge of buying new house. He advised me to pay at least {$500.00} to cover penalties and pay rest of amount until end of XXXX to avoid credit impact. I have recording of that call with me that I requested that my re-financing is taking a while and if it would not be done, then I will pay all amount I owe before end of XXXX. 
I paid {$500.00} and rest of payment for {$1200.00} is done on XXXX XXXX ( as promised ) but I see that even before end of XXXX, XXXX already reported 60 days late for my experian report. 
In my two years of auto loan financing, my all payments were on time and it only happened this time while waiting for re-finance. As my re-financing consumed lot of my time and I am at the brim of closing house for Escrow, I do not want additional inquiry or late payment on my account. so I have decided to continue my auto loan with XXXX XXXX for the time being.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-28
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
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. (GA)

TO WHOM IT MAY CONCERN I HAVE SENT INFORMATION REQUESTING PROOF OF SIGNATURE OF SAID LOAN AND PROOF OF ACKNOWLEDGEMENT OF DEBT OWED VIA CERTIFIED RECIEPT VIA CERTIFIED MAIL INWHICH NEITHER WAS EVER GIVEN NOR RECEIVED FOR ACCOUNT NAMED XXXX # XXXXXXXX XXXX NAME XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports