davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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: MID FLORIDA FINANCING LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

Failure to produce a contract or agreement between me and the debt collection company state that I agreed to pay this debt to the debt collection company. Failure to produce proof of the legal right to collect on this debt and the legal obligation that I owe the debt collection company.
Consumer complaint received 2023-06-05
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXXL XXXX Balance : {XXXX
Consumer complaint received 2023-01-31
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. (DE)

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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-10-20
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-20
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-05-03
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: HCFS Healthcare Financial Services of TeamHealth (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2023-10-20
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: COMMUNITY FINANCIAL SYSTEM, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My student loan is with  Navient w ho is Ina major lawsuit for scamming their customers. I feel as if they have cheated me on interest and hides fees. They ruined my credit and put me on deferment and other things that I did not ask for it just seems like I am never paying them off after I make my payments it just seems like it does n't make a difference. I think they are doing the same thing to me that they are doing to other students. I would like to see if I can get a student loan forgiveness. Because this is just getting ridiculous.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ECG Debt Collection Corp. (NC)

I get phone calls daily. They cost so many times from so many different numbers they never give me any kind of amount that I owe I'm not in debt at the moment and have not been in years I have so many phone numbers I can't even list them here they do not even come in from a direct business when I try to call them back it's not a working number and it's so bad I can't even have my ringer on during the daytime because there's so many calls coming in
Consumer complaint received 2017-05-03
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

One Main Financial ha s incorrect hard inquiries on both my   XXXX   and  XXXX  credit reports. They are showing inquires from  X/X/16   . Inquiries that I did not authorize . One  main financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX     and   XXXX   report. The inquiry date is  X/X/16
Consumer complaint received 2023-10-20
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

This is my rebuttal on the response sent by Credit Collection Services on XX/XX/2021 for Report # XXXX. I was amicable in the first complaint, now I am going to be extremely blunt as it is clear that you either did not take the time to read any of the letters I mailed to you previously, or you don't have comprehension skills.

Let me be very clear so that I will repeat in clear terms what I said in my last complaint.

1. I told you that I am not negotiating with you as I tried this with you just to end this headache with you illegally reporting a debt I do not owe you on my credit reports. Not only did you not reply to my offer, but you sent me a bill acting as if I owe you anything.

2. You never sent me proof that I owe you anything. A bill from XXXX is not evidence that I owe you anything. I requested several times that you provide a written and signed contract showing that I agreed to pay you, Credit Collection Services on any debt. 3. I requested your license showing that you have a right to collect in my state.
4. Lastly, you never wrote me letting me know that you were reporting this debt ( which I do not owe YOU ) on my credit reports.

5. I do not recall signing a contract with any company authorizing them to sell any of my personal information to a third party. Where is that signed consent?

So in a nutshell, hopefully you or someone is actually reading this, as well as the attachments I included and doing the right thing by deleting this reporting from my credit reports. In addition, according to FDCPA and FCRA, by law, you are mandated to DELETE a debt that is being disputed until you can provide evidence that a person owes the debt that is being reported to destroy a person 's credit worthiness. If you do not delete this account within the next 30 days, the next person you will be communicating with is my lawyer. You will have to present yourself in court in my state, providing the information I requested from you several times, which you have not submitted after all of my disputes. Know that I will pursue you for {$1000.00} per violation, including the distress you are causing me with this matter and tainting my credit reports. This will be my final attempt to resolve this with you through the CFPB before I escalate this matter.
Consumer complaint received 2024-03-14
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-04-19
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)

I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account number XXXX violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Attached with is complaint is correspondence from me to Equifax  Complaint Department. Letter has been sent to dispute credit inquiries that I did not authorize, Letter was sent to verify collection accounts listed on credit report and if unable to verify, please delete. No response has been made regarding either letter that Equifax has received. Also, in attachments is a letter from   XXXX   XXXX   which I personally disputed, to which   XXXX   XXXX   sent myself a letter stating a decision was made to discontinue collection efforts being that the account was not verified nor belong to me. Same letter correspondence with collection company  XXXX  to which they also have ceased collection activities. The discrepancies listed on my credit report is making it very hard to obtain credit especially being that the entries described above were not authorized.
Consumer complaint received 2024-03-14
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency  Portfolio Recovery Associates   XXXX   XXXX  . On my  XXXX  credit reports  (    XXXX   XXXX   XXXX   ) . I have disputed this item many times myself, as well as  XXXX   XXXX   XXXX  ( which during this process it WAS removed from my report &amp; placed back on without giving me any notice within 5 days ) only to have it still remain on my  XXXX  credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when  Portfolio Recovery Associates   XXXX  purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a   XXXX   XXXX   XXXX  letter to  Portfolio Recovery  asking for  VALIDATION o f this debt. A contract, signature, amount owed, how much they (   PRA )   purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL  XXXX  credit bureaus within a timely manner &amp; to NOT be placed back onto my credit reports.
Consumer complaint received 2023-10-20
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: Sterling Credit Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-20
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: EMCC Holdings, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NC)

On or about  XXXX   XXXX ,   XXXX  , my credit card company lowered  XXXX   XXXX   XXXX   XXXX   XXXX  my available balance from {$4500.00} to {$2400.00}, which is approximately the amount owed. I have used my credit card, well within the terms of our agreement, and I have made my recent financial decisions based on my credit line. This decision came without notice, and has now demolished my credit ratios, and ruined m y credit score . I have asked the company to please advise me of any appeals process. Thus far they have refused to reconsider this decision on the face, or otherwise advise me of any appeals process. They are being extremely unhelpful.     I have a 100 % on time payment with this card, and with every other card, and with every other debt that I carry. I have a job, and I own a home, and  XXXX  cars. It 's not so much the money that I am concerned about, it 's that this malicious action has jeopardized my  credit score,  and therefore my financial well being and that of my family.
Consumer complaint received 2023-10-13
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. (DE)

To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all 3 bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXXXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately
Consumer complaint received 2023-10-20
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX ; XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX ; XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX ; have violated my rights. 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
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Law Office of Michael J. Scott, PC (CA)

I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX 

I have attached a photo of the latest letter and recording of my phone call. 

I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. 

contact XXXX and cromwell with communication. do NOT contact me.