davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
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. (OH)

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update my credit report
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. XXXX  XXXX   also reported me late.too. I work hard to keep my credit good. XXXX XXXX and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late
Consumer complaint received 2023-11-30
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. (TX)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report.

6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete 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. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-03-08
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. (OH)

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX  XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. Lead bank also reported me late.too. I work hard to keep my credit good. Lead bank and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loan company filed and never withdrew complaint filed with court system. Talked to company the first time about why they didnt withdraw due to payment sent to company. Was told Id get a call from supervisor after 24 hours, had to call them today ( 3 business days ) and been on hold more than 1 hour ( have screen shot of timer ) with court date scheduled tomorrow I didnt really want to have to take time off work to be in court for something unfounded. Not given any straight answers as to why this has even not been taking care of.
Consumer complaint received 2023-03-16
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. (GA)

I am writing this letter to request the removal of an inquiry that was made on my credit report without my prior knowledge or consent. The inquiry is affecting my credit score and my ability to obtain credit. 

XXXX XXXX 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 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

AMERICOLLECT INC. 
has an account on my credit report thats not mine and that is not owed to them. 
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2020-03-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc. (OR)

In XX/XX/XXXX my employer received a phone call from ACSI inc needing to verify I worked there. I received a call from my corporate office stating that a collection agency had contacted them and that I needed to contact them and tell them I can not receive calls at work. I immediately contacted this company that same day and asked who they were and what this was pertaining to. The Woman who answered the phone did not respond with a company name only stated this call is being recorded and would not give any information as to the name of the company. She repeated what is your name and how may I help you I stated that you called my employer who is this she then stated the company name and said she was a collection agency. She wanted my name and ss number to verify who I was. I declined giving that information and demanded that she let me know what this was regarding. Finally after arguing and demanding that she look up my name only she stated that this was for a student debt. I stated I have never had a student loan and demanded to know why they contacted my employer before ever contacting me. She stated that they have every right to contact my employer or go about any means to contact me to recover the money is for this debt. I told her to see if and desist from all communication they were not to contact myself any family members my appointment ever again this was not my debt they have the wrong person. 

A few days later I received for the first time a letter in the mail from ACSI. 
Attached was an acct # and paperwork stating that I am outstanding student loan from XXXX. 

Again I have never taken any student loans out nor have I ever attended any college or university which would require me to have needed to take out student loan. 

Now XXXX  on behalf of ACSI is threatening to withhold wages. I have sent a demand letter requesting proof of any documents showing validity of any student loans taken out. No response as of yet. 

Each direction I turn to runs me into a dead end. Contacting university XXXX XXXX which is the school the funds apparently went to. University XXXX XXXX verified that no classes were ever taken and completed by looking up my name and social security number. 


They directed me to speak with the debt counseling dept regarding this and she opened up a dispute case # XXXX. 

My only assumption is this may be a case of identity theft. 

My main concern is is this collection agency will continue to try to go forward with this without providing any validity. I have been reading that this particular collection agency garnish his wages even when there is no proof of a valid debt. 

They are devious and underhanded and will not stop at any cost simply to collect on a debt they probably paid pennies on the dollar for. 

This is not my debt!!!! I want this nightmare to stop!!!!
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

On XX/XX/2022 I sent a cease and desist letter to Portfolio Recovery Associates tracking number XXXX XXXX XXXX XXXX XXXX, which is attached to this complaint ; and I also opened a complaint with the CFPB complaint # XXXX. In that complaint they stated they have no record of receiving any communication from when they originally acquired this alleged debt. I never received any communication from them via mail or email about an alleged debt. So when I realized it was on my credit report, I sent the cease and desist letter. Even if I had received the letter under the 15 USC 1692c ( c ) I never gave Portfolio Recovery Associates permission to contact me regarding this alleged debt. 
As I stated in the previous complaint I am requesting that Portfolio Recovery cease communication with me on any and all mediums included but not limited to : ALL consumer reporting agencies, social media, mail, email etc. 
This is the second attempt that I have made for them to remove this tradeline from my consumer report. Portfolio Recovery is violating my federally protected rights and this is not right and it is unlawful. 
STOP COMMUNICATING WITH ME AND REMOVE THIS TRADELINE FROM MY CONSUMER REPORTS IMMEDIATELY. 
I am holding Portfolio Recovery Associated civilly responsible for violating my federally protected right. Under 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
This tradeline appears on my XXXX and my XXXX consumer report, which makes Portfolio Recovery Associates responsible for 2 violations.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (TX)

I need Experian to investigate my multiple disputes that they have continued to ignore since last year after sending multiple letters to you all, you have continued to violate the FCRA.
Consumer complaint received 2023-01-17
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)

I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.
Consumer complaint received 2023-11-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (VA)

Amerihome mortgage reported that I paid more than 30 days late for the month of XXXX. I believe this is incorrect. The late payments were caused by an increase in escrow payments which I was not aware of because Amerihome did not provide me with an escrow analysis as required by CFR 1024.17. After speaking with an agent on XX/XX/2020, it was determined that my address in the system was incorrect. By the time of my phone call, I made payments of {$660.00} on XX/XX/2020 and XX/XX/2020. 

According to the agent, only {$660.00} remained the suspense account because Amerihome sent the {$660.00} made in XXXX back to me [ company policy is short payments held greater than 5 days will be sent back to borrower. ] However, this payment was returned to Amerihome because the address was incorrect, which I believe corroborates the fact that I did not receive an escrow analysis. I asked the agent if he could apply both payments to the loan in order to make it current. He could not but requested that they be applied. 

I called again on or about XX/XX/2020 and spoke to an agent who said they would allow me apply both payments to the loan, but I would need to pay the an additional {$120.00} to cover the escrow shortage make the account current. I paid the amount as requested. However, I received a call from Amerihome on or about XXXX XXXX that the account was still delinquent. I immediately paid {$780.00} as requested and was told that they XXXX payment in the suspense account was mailed to me on XX/XX/2020. As of the date of this dispute, I have not received any refund from Amerihome. 

The payment made in XXXX has been held by Amerihome since XXXX XXXX. After it was returned to them, it should have been applied back to the suspense account and my account should have been credited on XX/XX/2020 when a full payment was received as required by 12 C.F.R. 1026.41. Keeping a customers money for a month without credit to his account is unacceptable. 

Also, it is important to note that the new payment of {$780.00} required by the escrow analysis was to start in XXXX. However, I paid the previously required amount of {$660.00} in XXXX and XXXX, and my account was not deemed to be short. No Amerihome agent could explain why it was considered short in XXXX. 

The facts above can easily be corroborated as the phone calls between myself and the agents were recorded, and they have my payment history. Given the circumstances of all that transpired, it is not unreasonable to have the late payment removed from my credit report and the late fee removed from my account. I have paid consistently since the inception of the loan, and I would have paid the new amount if I had received the escrow analysis as required.
Consumer complaint received 2020-01-12
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: JPMORGAN CHASE & CO. (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-12
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!