davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a dispute with a collection account on my credit report with XXXX XXXX XXXX my original contract was with XXXX CAPITAL ONE N A I didn't authorize them to allocate my personal information to a third-party also XXXX CAPITAL ONE N A  canceled my original account.
Consumer complaint received 2020-03-25
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. (GA)

I sent Experian a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. Experian sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( XXXX XXXX XXXX ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for sprints mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my report.
Consumer complaint received 2020-03-25
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. (MN)

XXXX XXXX XXXX Account number # XXXX I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Never late my payments please remove. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I also have all my certified mail copy saying it's delivered and i got my return mail slip as well. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Again, please provide what I'm requesting because I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( XXXX, Experian and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

I refinanced with a new lender at the end of XX/XX/XXXX. My XXXX mortgage payment to Home Point Financial was erroneously paid twice. Once at the payoff from the refi on XX/XX/XXXX. The second time was via Auto Pay that was previously set up. They took the payment for XXXX again via Auto Pay on XX/XX/XXXX. I have called 5 times and keep getting the runaround. So far, all I have received is my escrow account balance. They still owe me {$1900.00} for paying the XXXX payment twice.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( Equifax, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Consumer complaint received 2020-03-25
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. (MN)

XXXX XXXX XXXX Account number # XXXX I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Never late my payments please remove. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I also have all my certified mail copy saying it's delivered and i got my return mail slip as well. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Again, please provide what I'm requesting because I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I do not owe this debt. While doing my research I realize XXXX XXXX took over XXXX XXXX. When I joined XXXX XXXX in XXXX, it was a month to month deal with no contract. I canceled that deal in XX/XX/XXXX in person and in writing, I filled out some form & gave it to the receptionist/front person at the gym and I requested cancellation of my monthly withdrawals, she said I was good to go. Then after I cancelled in XX/XX/XXXX, I kept receiving emails asking me to join again, with discounted pricing ( emails attached ). In XX/XX/XXXX, I received an email from XXXX XXXX announcing XXXX XXXX was taking over, and I did not think anything of it, I thought it was another email to get to re-join. Then all communication stopped ; I received XXXX emails or communication from XXXX XXXX or now XXXX XXXX regarding any membership or anything due for the whole year of XXXX, until XX/XX/XXXX, which is when this collection debt was added to my credit report which I have disputed but Blink Fitness refuses to remove. I have contacted the debt collector, Aldous & Associates, several times via phone and/or email with no resolution. I demand this be removed from my credit report and I demand Aldous & Associates to stop any and all communication with me regarding this debt. I DO NOT OWE IT. Today, XX/XX/XXXX, I called Aldous & Associates & requested validation of this debt, I was not provided such proof. I offered my email and physical address for proof to be sent to me. Person answering the phones said she was not able to provide it to me.
Consumer complaint received 2020-04-04
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. (NV)

There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

I received a notice on XX/XX/2020 that my credit limit was being decreased from {$2000.00} to {$650.00} because my credit score with XXXX was reported as XXXX. That information is entirely incorrect, my score has never ever been that low. They also stated this may be due to my account with best buy but the account has been below 30 %. I was not given a 45 day notice, the limit was decreased on that day which caused me to lose 21 points from my credit score because my proportion of loan balances to credit was now reduced by {$1300.00}. I attempted to reach out to best buy because the issue is on their side and I received no help and was told to reach out to XXXX  for a dispute. However, on XXXX  's website all of my information is correct so there is nothing to dispute.
Consumer complaint received 2020-04-04
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. (NV)

There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about me
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am currently experiencing identity theft. Equifax won't place a Fraud Alert on my account without me faxing them 2 forms of photo identification, after which it will take up to 30 business days to process. In the meantime, my credit is vulnerable to further attempts at identity theft. 

XXXX and XXXX were able to place fraud alerts immediately, while Equifax is trying to discourage me from doing so by making it difficult.
Consumer complaint received 2020-04-04
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: STATE EMPLOYEES CREDIT UNION (NC)

I recently sent a letter to NC State Employees Credit Union, to tell them that I was a casualty of data fraud and I additionally join a police report and a FTC report to my letter that I sent to NC State Employees Credit Union. In their reaction letter they sent me back NCSECU said that after cautious survey of this contest we can't examine this case at the time as the credit association has confirmed that your letter has started from a credit fix however I'm the person who really sent the letter to this organization and nobody else or some other  organization got me out and the letter I sent them wasn't drafted on a structure provided by a credit fix association.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XXXX XXXX 2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-05
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (OH)

On XX/XX/2021 @ XXXX am I received a message from an unknown employee with the same company I work for telling me that a bill collector called and left me the name number and company of a collection agency on my WEB Ex meeting messaging board. I work for a XXXX and we are not allowed to received debt collection phone calls. This debt collector called our general XXXX insurance service line and spoke with a customer service representative with my company. They asked of I worked there and the CSR told them they would relay a message to amongst other things I don't know were said. The CSR should not even have engaged in conversation with the person or looked up my information for them. This debt collector had no right to call my place of employment asking a random person for information about me. This incident has been reported to my HR department for further investigation.
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2020-04-04
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. (IL)

Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX XXXX {$26000.00} 4.XXXX XXXX XXXX XXXX {$4900.00} These accounts where all open fraudulently
Consumer complaint received 2022-12-28
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. (MO)

Equifax is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2021-03-12
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. (LA)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc. (WI)

I started with company named TomoCredit, TomoBoost etc. under the impression that they would provide positive credit to the major credit agencies XXXX, XXXX and XXXX. Company states that by adding bills that you pay can be added as monthly credit and they will report your payments from 12 to 24 months depending on the level of service you select a consumer selects with company, but you will have to link your bank account ( s ) in order to raise the amount of bill payments from your bank accounts, then the company will report to credit agencies. I've been paying {$49.00} since XXXX XXXX and I requested to cancel services the beginning of XX/XX/XXXX after I made last payment. I sent a message to company through online customer support requesting why haven't company been reporting my {$10000.00} to the credit agencies and the response I received was that the credit agencies will add it or not its not up to them. I sent the message to Company back in XXXX XXXX and it took them 24hrs to reply. I've tried sending email messages, calling their customer support number XXXX with their online portal messages through company website through customer support and I've haven't received any replies in regards to my cancelling, only messages I'm getting now on my cell phone and email is that I need to pay or they will Report late payments to the credit agencies and I'm getting these messages everyday, along with Company is tying to charge every card that's link to my back accounts and I've sent email for them to STOP and cease all payments due to I requested for then to cancel my service. Company has not responded to my email. I did let Company know in my email that I will file compliant with XXXX and Federal Trade Commission and any other agencies that will help me.
Consumer complaint received 2021-01-14
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. (MD)

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Consumer complaint received 2020-03-26
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)

I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.