davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
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. (CA)

I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

On XXXX I received notification that a new collection account from PROCOLLECT , INC for {$550.00} was placed on my XXXX and XXXX  credit file for an alleged debt to XXXX XXXX. I have no knowledge of this account or alleged debt. I never receiving a dunning notice from Procollect Inc informing me of the debt and that they were in possession of this debt. 

On XXXX I disputed the debt with XXXX and XXXX  and that the account is not mines and I have no knowledge of this account. I also explained to XXXX and XXXX that I never received a dunning notice from Procollect and that this account needs to be deleted from my credit file. 

On XXXX I sent a debt validation letter to Procollect , Inc. 

On XXXX I received notification from XXXX that the account was verified and will remain on my account. XXXX has not been able to produce to me what was verified and by whom. No updated from XXXX has been received, however the account still remains on my credit file.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced account.
Consumer complaint received 2021-03-16
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. (MD)

there is an incorrect item on my credit report i have disputed the item Transunion came back as saying it was previously disputed and they refuses to investigate the incorrect information
Consumer complaint received 2024-02-24
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. (OH)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXXXXXX 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, OH XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Discharged XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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. (MS)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 Balance : {$2700.00} ; DEPT OF EDXXXX XXXX Balance : {$51000.00} ; XXXX XXXX XXXX XXXX  Balance : - ; XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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. (CO)

XXXX  ; Experian and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

My Att & t credit card was protected by credit protector, safeguard. When I became ill it should have been paid off. At & t sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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. (CO)

XXXX  ; XXXX  and Transunion should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-12
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)

To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature
Consumer complaint received 2023-01-24
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. (MI)

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 u.s.c 1681. These are the name XXXX XXXX XXXX XXXX # XXXX. State of Michigan XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX ( 2 ) 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate
Consumer complaint received 2022-03-22
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. (MO)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPT OF EDUCATIONXXXX XXXX Balance {$720.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$5200.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2900.00}
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (TX)

I started a loan application with supreme lending in XX/XX/XXXX. They offered me to lock my rate and I signed the paperwork on XX/XX/XXXX. The agent who had my file left the company and the new agent reached out to me after my locked rate expired and informed me that he will lock my rate on new high rate because my rate already expired. My friend who locked his rate with me in the same time was contacted by another agent in the same company who informed him that he can extend his locked rate for an extra fee which he did. I contacted supreme lending to ask for the same deal my friend got and they refused and said there is nothing like that and they cant extend my locked rate for extra fee. All what Im asking is to be treated like my friend.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (NY)

I keep getting repeated calls from a specific number that refuses to leave messages. Today I happened to pick up the phone to see exactly who is calling from the number, and it turned out to be Credit Management. The caller asked for my first name which I verified, she then verified my previous house number and street name, and I confirmed that it was an old address. Before I provided any further information, I asked who she was and what business they were calling about. The caller got rude on the phone and refused to tell me the nature of her call. She then said that since I refused to verify my identity, she can not provide me with any details about the company and why shes calling. She then also said that they will continue to call me until I confirm my identity, so I replied that I will continue to demand to know whos calling me before I release any other info. 
I googled the company to see if they are legitimate, and started to file a complaint but I would first need to divulge a lot of my personal information. I called their toll free number and asked to speak to a manager, and I was put to hold for XXXX. He refused to tell me anything about the nature of their call, other than the name of the company. I told him that were not going to get any further so please stop calling me as I have trouble sleeping at night and Im XXXX. During this tax time season, and the many ways that people are getting scammed, Im very skeptical about anyone calling me demanding confirmation of my identity, if they wont identify themselves first.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Phoenix Recovery Group (TX)

On or about XX/XX/2019 I received a letter from Phoenix Recovery Group, XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX regarding a debt. Within 30 days I faxed a dispute regarding the error, of which Phoenix acknowledges receipt. The frivolous debt stems from a contractor/home investor contract between myself and XXXX XXXX. It is important to know that MsXXXX XXXX terminated my services and hired XXXX XXXX, an unlicensed contractor in XXXX XXXX, TX, which clearly as per XXXX XXXX building code officials will indemnify me and my company from any liability and warranties regarding the said project. Phoenix Recovery Group subsequently reported false information of a debt on my credit profile to the credit bureaus. Additionally, Phoenix Recovery failed to properly execute effective service of any petition for civil suit. Any reporting to of a judgement without properly serving a Defendant ( s ) in Texas is unlawful and illegal.
Consumer complaint received 2023-02-13
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was reviewing my XXXX Credit report and not a Dillard 's account that was reporting as a charge-off. I sent a certified letter to Dillards dated XX/XX/XXXX as for verification and validation of the amount listed on my credit report. ( See attached letter ) I received a letter from Dillards dated XX/XX/XXXX, only providing me with none of the information that I requested for in my letter to them. They completely overlooked the information asked for in order to identify that this alleged charge-off truly belongs to me.
Consumer complaint received 2023-01-24
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MN)

I was sued by the Second Round Sub. LLC claiming that I own money for XXXX XXXX. I attempted to communicate that I did own the debt and requested to provide me authentification and the contract agreement that bears my signature. However, they asked the court for the judgment and it was granted without showing proof. After I researched I found out that the Second Round Sub , LLC buys a debt consumer do not own or paid off ones.
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX I received an email from Moneylion advising me of the adverse actions they are going to take on XX/XX/XXXX of selling off my investments to apply the profits to my installment loan. This legal notice states I owe {$0.00}, however they have placed me in collections for roughly {$100.00} that is adversely affecting my credit score. This amount is less than the amount of the loan I defaulted on because on XX/XX/XXXX my investments were sold and the profits of {$280.00} was applied to my loan. My issue here in addition to the negative credit reporting is that I was never provided with legal notice of intent to sell off my investments if I did not make a payment to bring me to current status on my loan payments. This company illegally sold my investments prior to allowing me the opportunity to bring payments current.
Consumer complaint received 2022-03-22
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. (TX)

On XX/XX/2021 I sent a letter to XXXX, XXXX, and Transunion regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX MORTGAGE XXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXXn, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.