davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (VA)

XX/XX/2018 Central Portfolio Control calls from XXXX asking for XXXX XXXX, I tell them this is not her number, they change the number they are calling from and call again. this has been going on for 4 years that i owned this number. I am not affiliated with this person and I have no idea who she is.
Consumer complaint received 2023-06-27
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. (LA)

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX XXXX and is reported by XXXX, XXXX, and Equifax under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (FL)

I made payments to XXXX XXXX XXXX for over a year to which they never reported. I have contacted them this many times over the last two years. They said there was an issue with my name and that it was coming up twice. They initially asked for a copy of my drivers license and social security card which I provided. They then began asking for marriage certificates and divorce decrees but when asked which ones proceeded to instruct me to call the credit bureau as they could n't help me. I made my payments on time or early and sometimes made over payments.and want this to reflect on my credit as it caused me to have a higher APR on my new car loan.
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NJ)

We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WI)

I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : XX/XX/XXXX Hunter Warfield Inc reports debt owed to credit agencies of XXXX XX/XX/XXXXDebt Validation Letter sent to Hunter Warfield requesting a response within 30 days XX/XX/XXXX I received statement restating the alleged debt XX/XX/XXXX sent response citing XXXX XXXX XXXX, that restating the alleged debt is not validation that the debt is owed XXXX Hunter Warfield received the letter XXXX 30 day failure to comply letter sent
Consumer complaint received 2022-04-15
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (NY)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalations department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting to assume the loan once again due to divorce. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this Substantiates my successor in interest to the mortgage to remove him from the loan. Phh already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current.
Consumer complaint received 2022-04-15
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( XXXX ) XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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
Consumer complaint received 2024-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IQOR US INC (TX)

I have been getting letters that i belive are a scam saying they are from Allied Interstate stating they are working with XXXX student loans but i have an account with navient and there is no such thing i am on the save plan so i would like to report this company. The company name sending me this letter is claming to be AlliedInterstate the amount saying needs to be paid is {$15000.00} i have received 2 letters now the date issued is XX/XX/2024.
Consumer complaint received 2024-03-08
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have gone to a car dealership before they remake my credit they got my credit report and noticed that there were multiple inquiries that I knew I never made and I have called equal facts and they told me to make a complaint about it.
Consumer complaint received 2023-06-26
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. (NV)

In accordance with the fair credit Reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on transunion and XXXX. The third, XXXX XXXX. They bought a debt from XXXX XXXX  which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AL)

On XX/XX/2021, a payment ( of {$560.00} ) was made to settle and close my account with XXXX XXXX XXXX ( account number XXXX. ) But also to remove the derogatory account from my credit report. Since then I haven't been able to contact credence resource management to have this removed from my report as agreed nor have they responded to any of my request for account verification along with updated payments/ amounts. 
The payment was processed and received and the confirmation number is : XXXX. In which I have the actual confirmation email from XXXX XXXX XXXX that I can provide upon request.
Consumer complaint received 2019-07-07
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 closed on a Home Loan in XX/XX/2019 with XXXX XXXX  XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monterey Financial Services LLC (PA)

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed Monterey Financial Services at XXXX XXXX  XXXX XXXX. Additionally, I called Monterey Financial Services XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid Monterey financial services {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year> information was submitted to Equifax to remove the XXXX XXXX XXXX ACCOUNT # : XXXX, per the reporting creditors request. Equifax have failed to honor the removal request.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and XXXX. The third, asset care. They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Consumer complaint received 2023-06-26
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-07
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. (OH)

I have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and it was fount to be inaccurate even with experian and was deleted so stop violated my rights and DELETE THIS ACCOUNT NOW!!