davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I log into my transunion account and click on anything, it says that it is unable to access my credit report and to call. 

I have called over XXXX times about this issue and it still not resolved. First they said there was no issue and it should be working, then they told me they found the issue and it should be fixed and to wait XXXX days. I waited a month and it was still not fixed. I called again, and then they said there was a glitch with my account they fixed and it's still not fixed. It's been over XXXX months since I have been able to access my credit report. 

I also noticed that when I check my credit score on an app on my phone, my other two credit scores have been increasing and transunion score hasn't moved. This means that my credit score has been affected by whatever is going on and I have no way of accessing the information.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$95.00}
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I purchased a refrigerator/freezer from XXXX XXXX XXXX It was falsely advertised as Stainless Steel. Upon delivery it was grey. XXXX confirmed that this refrigerator is only made as a stainless steel look and not stainless steel as Home Depo advertised. They came back to pick up the refrigerator and charged me a {$400.00} restocking fee. They have since added on unfair late charges on top of the leaving me with a {$900.00} balance and have completely ruined my credit
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OK)

On XX/XX/year> this debt from XXXX XXXX was sold to Midland Credit Management which is a collections agency. This card was originally opened fraudulently without my consent or knowledge directly from XXXX XXXX. I contacted them about the issue and was referred to XXXX. I never opened this account and it is a direct result of fraudulent activity and identity theft. I filed an FTC Report regarding this account ( Reference # XXXX ). Please remove this account from my credit report as it is not mine and I never opened it. FCRA Law clearly states I shall NOT be held liable for debt that was accrued in my name fraudulently without my consent. The amount of {$800.00} is for collections.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 may 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Dispute of Fraudulent Inquiry on Credit Report I am writing to bring to your attention a fraudulent inquiry that has appeared on my credit report. I have no affiliation or knowledge of this company, nor have I authorized any credit application or inquiry with them. Below listed are the fraudulent inquiries : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this inquiry is a result of identity theft or fraudulent activity. As such, I kindly request your assistance in investigating and removing this unauthorized inquiry from my credit report. 
Please update my credit report accordingly and provide me with a revised copy once the fraudulent inquiry has been removed. Additionally, I request that you provide me with a written confirmation of the removal of the fraudulent inquiry from my credit report for my records. 
I would like to express my gratitude in advance for your assistance in resolving this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MD)

Affirm is reporting that I owe {$880.00}, which was my remaining balance prior to the account being charge-off and pushed over to one of their collection agency accounts, called XXXX! 

Honestly, I attempted to resolve this matter with Affirm prior to it being move to XXXX, but to no avail! After I contacted XXXX per Affirms instructions to satisfy the remaining account balance, a settlement was reached and agreed upon, rendering my balance paid in full. Moreover, this doesn't reflect on my XXXX credit profile, which is not fair credit reporting on my behalf. 

I have disputed this erroneous trade-line entry several time, including providing proof of payment. However, they refuse to make the correction on my file!!! This is egregious on their part!
Consumer complaint received 2023-02-17
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. (PA)

In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

I have tried calling Mr. Cooper for over a month to speak to the escrow department to see if they received my refund check for property taxes but can not get through to speak to a customer service representative. It will not allow me to get through the automated system in order to speak to a person. I've tried calling at least 10 times and from different phone lines. I just want to speak to a person in the escrow department. I also used the online chat on their website Mrcooper.com and no one would call me or give me a phone number to call anyone working for Mr. Cooper mortgage company. I got through to the refinance department and spoke to a person there but they said they didn't have a number for me to call the escrow department.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : 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  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Mercedes Benz Financial Services (GA)

I purchased a new van from Mercedes Benz approximately 36 months ago with an XXXX  % interest loan for 36 months. I set the loan on auto draft to make sure all payments posted on time, and they did. Well, almost did. Apparently they required the last payment be made via invoice. Unfortunately, I was not aware of this and missed the last timely payment. this was reported to the credit bureaus lowering my score over XXXX points. 

I of course gave them a call and the explication I received was that they were unable to draft the last payment. Not sure why, funds were available? this final payment was XXXX XXXX  more then other payments. Assuming they could have drafted the amount less XXXX? 

In speaking with there customer service person she flat out said Mercedes Financial does not retract, remove, or send correction letters as a policy and there was nobody else to talk to. 

She did say should would send me information as to where I can dispute this and would send me my transaction history. 

30 days later i have yet to receive. I have worked extremely hard to maintain an excellent XXXX XXXX, tha affords me the ability to take advantage of XXXX to lower % loans, only to have it dropped for in my opinion no reason. 

I appreciate your assistance in this matter. 

XXXX
Consumer complaint received 2023-04-26
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. (FL)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 may 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 2024-05-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Financial Services Inc (NV)

Allied Financial is attempting to collect a debt from someone other than me and wanted to know if I had information to contact that person. An Allied representative called me on XX/XX/2024 at XXXX from XXXX. I answered the call ; they advised they were looking for someone else, I advised that the person they were looking for was not at the number they called and that I did not have any information for that person. Allied called again on XX/XX/2024 at XXXX am from XXXX. I did not answer. Allied then called on XX/XX/2024 at XXXXXXXX XXXX  from XXXX. I answered the call and again advised that person they were looking for was not at my number, I had no information regarding that person and again requested that Allied not call me. 

Instead of stop calling me, seeking information regarding a debt owed by someone other than me, Allied simply called from a different number. Today at XXXX I received a call from XXXX from XXXX who left a message seeking information regarding this other person.
Consumer complaint received 2023-11-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$250.00}