davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (VA)

This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from XXXX XXXX saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " Aldous Associates '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-03-19
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. (NY)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2020-10-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

New Discovery- Select Portfolio Servicing added and reported to the credit bureau and flagged my account as loan modification on XXXX XXXX its also states Activity : Conventional Real Estate Mortgage Including Purchase Money and First Mortgage. Neither of the above information is true. Select Portfolio Servicing just added this false and misleading information on XXXX XXXX but changed the year, because it did not have this information before on the credit bureau reports. I get a letter from Select Portfolio Servicing dated XXXX XXXX stating Refinance/Modification. Therefore this was change before the letter was sent out. I want to know did SPS altered, change or added statements on any documents? Because I know they are trying to cover up for XXXX XXXX XXXX in which the loan was transferred in XXXX XXXX, Also it obviously that an fraudulent assignment of note for insurance benefits ( claim ) was applied with the FHA mortgage insurance on the property.Date of Contact of insurance termination was on XX/XX/2014. Due to the fraudulent defective dry wall property insurance claim, cause the FHA Connection lender query case number XXXX to be terminated. Therefore the FHA mortgage insurance was canceled due to the mortgage fraud. That is when XXXX XXXX XXXX  applied a Conventional Real Estate mortgage loan to my property, then purchasing money first investment account for profit. It appears the loan investment account number was XXXX the same account number was used to collect a large sum of money, refund on property insurance claim on XX/XX/2014 with XXXX XXXX XXXX XXXX. This is also a fraudulent claim, also accelerating the escrows payment. On XXXX XXXX XXXX XXXX XXXX fraudulently set up a loan modification as if I was behind in payments which I was not, because they made a fraudulent assignment of note claim, on a defective dry wall claim On the property in which I knew nothing about and then making a fraudulent property insurance claim with XXXX XXXX  XXXX   XXXX.I had no knowledge of any of the above fraudulent activities. Therefore the loan modification that Select Portfolio Servicing has in their possession account number XXXX XXXX XXXX XXXX loan number that was transferred to SPS on XXXX XXXX and account number XXXX Select Portfolio Servicing number is misrepresenting fraudulent funds that was acquired by fraudulent insurance claims on that XXXX XXXX loan modification. And maybe still collecting funds for profit wit money first investment account.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WV)

I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.
Consumer complaint received 2020-10-02
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: EQUIFAX, INC. (FL)

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (FL)

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-06
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. (TX)

Transunion is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred on XXXX. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Transunion, and results have came back in the decision not to remove an inquiry with no proof provided.
Consumer complaint received 2020-10-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc. (CA)

My loan is service by SLS which is XXXX. I'm paying off my loan, title asked for a servicing agreement to wire the $ to pay off the loan. SLS doesn't have the servicing agreement with the private lender. " or private lender doesn't want to sign the servicing agreement ' per SLS '' Payoff is good through today XX/XX/2020. Title is paying off loan today. But SLS have not provide servicing agreement. 

I would like SLS to take complete responsibility for any fees, penalty or late charge or daily interest that XXXX incurred after XX/XX/2020 2020
Consumer complaint received 2024-02-07
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. (IL)

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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/2020, I received a collections bill/letter from DBA Paragon Revenue Group claiming that I owed a debt for a medical bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor was/is my current health care providers office. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts. She confirmed that she does not have any record of a charge that may have been sent to collections. With this information I sent out a debt validation request certified ( attached documents ) and never heard back. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service XXXX  that accurately pulls all credit reports and compare the information. The comparisons were inconsistent being the collection agency is reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it does not exist as mentioned by the original creditor. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I need help as I believe this collector is taking advantage of me
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX 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 2023-05-08
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. (MD)

I reached out to Experian first on XX/XX/2023 asking them to investigate and delete it. I also asked for the date and whom they contacted along with actual documents proving this is my debt ( because it is not ). I only got a response from them once and it was them stating that my dispute letters did not come from me.They have failed to investigate this matter and I included the email response I was given by Experian. I sent letters again on XX/XX/2023 & XX/XX/2023, however, I haven't gotten a response. These are the following accounts I have sent numerous disputes about without proper investigation. They also have incorrect personal information about me. 

XXXX XXXX  Account # XXXX is an open collection account with a balance of {$52.00} only reporting to XXXX and XXXX XXXX 

XXXX XXXX XXXX XXXX Account # XXXX is an open collection with a balance of {$1700.00} reporting one 30 day late payment and 5 60 days late payment. I have never been delinquent with this creditor and it is reporting to only Experian. 

XXXX Account # XXXX, is an open collection account with a balance of {$670.00} reporting to XXXX XXXX 

There is an open collection account titled Untitled { XXXX } with the account # XXXX, balance of {$1700.00} is reported to XXXX XXXX 

XXXX Account # XXXX is an open account reporting a balance of {$190.00}. It is only reporting to XXXX. 

XXXX, XXXX Account # XXXX, is a closed account reporting that I was 30 days late one time and only reporting to XXXX.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

A Wells Fargo bank teller accessed my account information without me ever giving consent at anytime ( I have never interacted with this teller for anything ). She then added my checking account and routing numbers to her personal credit card account as a payment method. Then used my account to make a few payments on her credit card bill.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/2020. 

Process server trespassed into the apartment building. Came in behind one of my neighbors and knocked on my door and left legal papers outside my door. The process server did not identify himself and was harassing my neighbor asking them more information about me.
Consumer complaint received 2024-03-19
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. (GA)

I disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NC)

Capital Accounts , LLC in XXXX TN I contacted them twice in XX/XX/2020 and in XX/XX/2020 about a medical debt from XXXX XXXX. I spoke with two different agents gave them my information and they both verified that It is not a debt account with them in my name for {$390.00}. I have disputed this with XXXX  and XXXX  3 times. I need to get this removed off my credit report especially when it was verified by the collection agency no account showing in my name.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disputed this account numerous of times with XXXX  and Equifax XXXX  did the proper investigating and removed it from my report. XXXX. XXXX  and equifax both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 XXXX  is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX 3 XXXX  is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (UT)

Macys never resolved the identity theft and fraud for my Macys Amex account. I contacted Citi and they informed me they had never actually received the police reports but i can contact Macys fraud department which knew nothing about what i needed. They stated a new card was sent out. I never used or had a card in my possession for the last 2 years.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through XXXX XXXX  it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX  XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (IL)

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; CXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-02
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. (CA)

This company is notoriously not responding to consumers complaints. They're not doing their jobs. They refuse to fufill their obligations. This ccompany is ignoring consumers and something needs to be done.