davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc. (TN)

On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.
Consumer complaint received 2018-08-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/18, I got information from a relative that they received a call from a process server about me..that the process server was going to be at my house at XXXX to serve me with papers. Relative called number left and was told this had to do with an auto loan debt re : me. She said she would let me know. I looked up info and it was bogus..many people c/o similar antics by same co.plus I do not owe money to this auto company anymore, I have not dealt with them in over 8 years. I disregarded it ... today ( XX/XX/18 ) another family received another similar call from another so called process server, stating they were trying to get a hold of me and that I was going to be served today etc etc..also they were going to get in touch with my job. I work in healthcare, this is very frowned upon at workplace. I have lived at the same address for 15 years and I have not received anything in the mail which is strange if they knew my address, why not send a certified letter? It is illegal for them to be divulging info in my name to a third party, so I understand. Please help me with this problem. Thank you!
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (GA)

Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made. 

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services (VA)

Company or agent of the company has been contacting and leaving threatening messages on both my office phone and my mothers phone saying that they have a serious matter and I need to call them back to confirm my work address so they can deliver " legal papers '' to me. They use different local phone numbers each time. The scripted person that makes the call will not provide me any information at all just expects me to give them my SSN, Birth Date, Address. 

I called their office and was told the calls where from an agent of theirs. This person gave me the company name and address but would not send me any write confirmation of a debt or tell me what the important legal papers where. 

I have confirmed my credit report has nothing from this company. 

( XXXX ) XXXX Cordoza & Wexler Recovery Services XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MS)

I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..
Consumer complaint received 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX  PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (FL)

please re-investigate and delete the following accounts as the last payments on these accounts were made more than XXXX years ago : XXXX XXXX XXXX account XXXX Also, the XXXX day late payment that they report for XXXX XXXX XXXX In XX/XX/2020 is incorrect- I have never had any late payments on this account.
Consumer complaint received 2018-08-08
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: Experian Information Solutions Inc. (OH)

On XX/XX/2018 I pulled my Experian credit report and noticed a social security number variation being reported. I called Experian to find out what collections company was reporting the incorrect social security number. I immediately disputed the social security number variation via certified mail including all supporting documents. ( Not really needing to prove anything considering they know my correct social security number as I am a customer. ) On XX/XX/2018 I received an email from Experian informing me that my dispute was ready. Upon veiwing the dispute Experian states The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

How can Experian use such a XXXX excuse knowing the number being reported does not belong to me, knowing it does not identify me. They have refused to fix this problem and I feel like my dispute was not investigated thoroughly otherwise they would not be allowing this collections company to report a fraudulent social security number on my file.
Consumer complaint received 2018-08-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I submitted an investigation request to Experian and XXXX XXXX. They are supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

Submitted a previous complaint on this company and have provided verification/documentqtion that I do not owe this debt. I have asked to not be contacted but I receive at least 2 calls per day from the Debt Collector and at this point I am deeming it harassment. I am wanting them to know that I will pursue legal action for harassment should their communication attempts with me continue. Should they need further documentation/information they need to contact the original creditor and NOT me. Thank you.
Consumer complaint received 2018-08-15
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2018 ; I filed a formal dispute with Experian 's fraud department in reference to items that are being reported in my credit report. I disputed a public record stating a bankruptcy, a fraudulent account opened with XXXX XXXX XXXX XXXX  and an incorrect balance with XXXX XXXX XXXX XXXX.

I disputed the bankruptcy public record because I became aware that any bankruptcy filing made in the XXXX Circuit Court jurisdiction with personal identifying information such as a social security number, date of birth and current mailing address is made under judicial seal. Experian obtained personal identifying information, that is still under seal by the court, and published it illegally on a credit report. I spoke at length with the Clerk of the United States Bankruptcy Court and was told that under no circumstances that personal identifying information is released to third parties because of the risk of identity theft and fraud.

I brought this information to the attention of Experian 's fraud department and disputes department on XX/XX/2018 at XXXX. Experian denied obtaining the information contained in the report themselves but through a third party vendor because its a public record. I requested the name and contact information of the vendor and they denied my request. On XX/XX/2018 at XXXX ; I spoke with Experian again through their special handling department and again reiterated the position that information was public record, to which I stated that personal identifying information is not public record especially information under judicial seal. I again demanded the vendor information and was lied to that the court not a third party vendor supplied my personal identifying information in violation of the judicial seal.

The other issues with Experian involve improper fraud investigation of disputed information including the XXXX XXXX XXXX XXXX dispute and XXXX XXXX XXXX XXXX   dispute. Experian completed the dispute investigations without properly verifying the information disputed and leaving the information unchanged as accurate.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (OH)

I was recently denied acceptable terms for a mortgage refinance through XXXX XXXX. The reason given was there were numerous inquiries into my credit report 18 plus in the past 12 months. I don't know why the credit report dropped from XXXX to XXXX in a week.
Consumer complaint received 2018-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

I WAS CONTACTED BY A COMPANY CLAIMING A DEBT OWED WHEN THE APARTMENT IN QUESTION DID NOT BELONG TO THEM WHILE I LIVED THERE I HAD MOVED OUT BY THE TIME ESCROW CLOSED NO CONTRACT WAS SIGNED OR IN EFFECT SO I DO NOT OWE THEM ANYTHING. THEY ALSO ACCEPTED THE PROPERTY AS IS. THIS IS OVER 3 YEARS AGO. THEY ARE USING NATIONAL CREDIT SYSTEMS INC OUT OF XXXX, GA AS THE COLLECTION AGENT THE CREDITOR IS XXXX XXXX XXXX  OUT OF XXXX CA
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.
Consumer complaint received 2018-08-08
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: Experian Information Solutions Inc. (GA)

On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( roadloans.com ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX   and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report.

To date, I have had to dispute incorrect inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquiries, or the confirmation of the removal/deletion by any of the three credit bureaus. 

The inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (FL)

ON XX/XX/20 MY DEBIT CARD WAS CHARGED {$63.00} FROM PAYPAL FOR SOMETHING THAT I NEVER ORDERED OR RECEIVED. XXXX GOT MY COMPLAINT SENT IT TO PAYPAL I RECEIVED A CALL FROM PAYPAL ON XX/XX/20 A PERSON NAMED XXXX EMPLOYEE NUMBER XXXX HE TOLD ME MY CHECKING ACCOUNT ENDING WITH XXXX WOULD BE REIMBURSED WITHIN TWO WEEKS. NOW IT IS XX/XX/20 I HAVE NEVER BEEN REIMBURSED. I REPORTED IT TO THE XXXX  THEY CLOSED THE CASE NUMBER XXXX. I ALSO COMPLAINED TOBUSINESS XXXX XXXX THEY INVESTIGATED MY COMPLAINT AND CLOSED THAT COMPLAINT WHEN I SPOKE TO THEM THEY TOLD ME TO MAKE A COMPLAINT WITH YOU. THE END RESULT I WANT PAYPAL TO REMIBURSE MY {$63.00} I HOPE YOU CAN SOLVE THIS PROBLEM. THANKING YOU IN ADVANCE.
Consumer complaint received 2023-03-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Investigation Request Letter To whom It may concern : I received a copy of my credit report with the fact of trying to improve my credit score and take care of it. I noticed a multiple mistakes with the accounts and late payments on that. I just realized that the information across all three Credit Bureaus are wrong ( Transunion, XXXX, XXXX ). They are not accurate with my personal information. I also read something about the Fair Credit Reporting Act where it said by law, I had to right to challenge anything I am not sure is accurate. 

I am familiar with 15 U.S. Code 1679 " I have a right to dispute inaccurate information in your credit report ''. Since all three bureaus giving me incorrect information, I want these accounts to updated as POSITIVE. Please investigate the following accounts and update them as POSITIVE. 

Please verify the following accounts and changed them as POSITIVE 1 ) XXXX XXXXXXXX Account number : XXXX - Please update as POSITIVE 2 ) XXXX XXXX XXXX XXXX Account number : XXXX - Please update as POSITIVE 3 ) XXXX ( closed ) Account number : XXXX - Please Update as Positive I will also provide proofs and screenshots of my credit reports from all three bureaus ( Transunion, XXXX and XXXX ) and you can clearly see that information across three bureaus doesn't match.