davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: REPORTS, INC. (TN)

I was called multiple times by a company that would not identify themselves over the phone. They have the same script every time they call me.

The call starts out with " Am i speaking with so and so? '' I ask, " Who's Calling? '' They reply " We are trying to reach so and so about a personal business matter '' I ask again " Who are you and why are you trying to reach so and so '' they reply " We need you to verify your date of birth about a personal business matter '' I reply " I'm not giving out my personal information to someone who won't identify themselves. 
What is this call about? '' They reply " We can not tell you until you verify your date of birth '' Then I hang up. 

The calls went on like this several times over a period of a couple months. I finally looked them up and found out it was a company called Reports Inc. in XXXX TN. 
They have almost a dozen reviews of other people stating the same experience. 

I ignored them, because they have no right to my personal information if they refuse to say that they're calling about a medical debt. 

I was served a summons to court by a process server, regarding this debt. I called the debt collector to settle my medical debt and they added over {$180.00} to the original debt to cover their legal fees. When I told them I wasn't paying their self incurred legal fees, they said " we don't have an agreement then ''. 

I attached are screenshots of their XXXX reviews showing this is their way of operating and not an isolated incident.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/22 around XXXX someone by the name XXXX XXXX from Midland Credit Managment called my boyfriend questioning him about a credit card I owed. He then called me on a 3 way to listen to the conversation she asked him to verify my social which he dont know second thing he asked her did she know she said yes and give him my last 4 digits. They called his phone everyday harassing about a payment and they was taking me to court. Something need to be done
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (MD)

Santander The information on my credit shows 3 different amounts being reported as well as different dates listed that the account was paid on. one report shows the balance being owed as {$20000.00} and then it shows as {$19000.00} I can't owe both of those amounts. It's also showing that the dates reported were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

this information is inaccurate and inconsistent across the board and according to 15 U.S Code 1681e ( B ) needs to be removed.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Hello, I was looking at my credit report via the CHASE app and it indicates 11 delinquencies. 

I would like a break down of the 11 delinquencies as all my credit card payments are automatically paid via my bank account which is why I am unclear. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Collection company for a rental property that I did not authorize to use my personal information as a co signer on a lease to a property I have never lived at nor signed for. Apparently debt went in to collection in XX/XX/XXXX for a rental in XXXX. I was made aware in XX/XX/XXXX and dispute legality of the collection to me. Company told me to file police report and they would remove from my credit report which I did and provided documentation. Still refuse to remove. Since that time debt has been settled with original signer but this still reports on my credit report and has caused me great harm
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a loan with Credit Acceptance. I have always made my payments on time. For some reason, I realized that this account was tagged as Repossession. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take a look on the account information below : CREDIT ACCEPTANCE CO XXXX Balance {$6000.00}
Consumer complaint received 2017-09-08
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. (IL)

Equifax got hacked and all the data they had on me has been stolen. Their cybersecurity practices are abysmal and could cause great harm to me and my family for years to come.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

This Past week XX/XX/XXXX, Equifax was hacked and over 145 million social security numbers have been exposed in this attack. My account was potentially affected and wanted to submit this complaint against Equifax.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-16
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: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX and Nordstrom are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

In XXXX through XX/XX/XXXX Specialized Loan Servicing ( SLS ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my XXXX XXXX decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS. My SLS Account is not delinquent, and is not 120 Days Late as SLS has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (WA)

ONEMAIN is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Consumer complaint received 2022-03-15
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. (LA)

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX  XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Consumer complaint received 2022-03-15
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. (LA)

EQUIFAX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (TX)

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an account listed on my credit file, which I believe to be inaccurate and incomplete. 

The account in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate this account and take appropriate action to correct any inaccuracies. 

Furthermore, I would like to request verification of the aforementioned account. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the account without delay. Kindly assisst me to correct this account : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I received a letter from Revenue Group to attempt to collect {$35.00} on behalf of XXXX XXXX. The debt is not owed. This is a fraudulent bill from XXXX XXXX. This organization attempted to falsify an email as a medical appointment. As a former XXXX and XXXX the organization is so cheap. Put a dollar on the ground and they will crawl a mile to pick it up.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi. In XXXX 2022, I contacted Captial One to advise that my SSI payments were delayed until XX/XX/2022. I advised I would only be able to make minimal payments until those payments came through. I then proceeded to make small monthly payments. However, on XX/XX/ 2022, I found that Captial One had gone into my bank account and pulled {$260.00} [ UNAUTHORIZED, mind you ], causing all sorts of things to bounce back as I only had slightly more than that in my account. 

When I contacted the Capital One, the were certain that it was an Auto Pay that had been set up -- only I NEVER use auto pay as my finances are so infrequent. They said they'd return my $ XXXX but it would take up to 10 days. In the meantime, all these payments are bouncing and I have absolutely no money to buy food or gas. It's insane! 

I'm hoping you can help me not only get my money back, but do whatever it takes to stop this process as I do NOT believe a credit card company should have the ability to arbitrarily take funds from consumer 's accounts. Thank you. XXXX
Consumer complaint received 2022-03-15
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. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$37000.00} XXXX Original creditor XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX BANK XXXX XXXX XXXX BANK XXXX Balance {$1500.00}
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against STAFFORD GROUP ASSOCIATE for committing identity theft. I have never given STAFFORD GROUP ASSOCIATE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from STAFFORD GROUP ASSOCIATE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If STAFFORD GROUP ASSOCIATE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until STAFFORD GROUP ASSOCIATE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and STAFFORD GROUP ASSOCIATE continues its collection efforts, I will file for litigation for actual damages caused and STAFFORD GROUP ASSOCIATE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-15
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. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance : -