davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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: Freedom Mortgage Company (CA)

Here is the complaint about Freedom mortgage who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, XXXX, and XXXX reported it for a long time with a piece of inaccurate information.
Consumer complaint received 2018-12-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nathan & Nathan, P.C. (AL)

On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at Nathan and Nathan, PC - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or Nathan and Nathan, PC. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (LA)

I am a victim of identity theft. I have gone back and forth with Experian sending all documents that they have requested. The inaccurate informative is still on my report. This is the last and final attempt before filing a litigation claim.
Consumer complaint received 2018-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Analysts of MN, Inc. (MN)

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello Friend, About a week ago XXXX  XXXX  sent me an email indicating that my Credit Score from the 3 major Credit Bureaus ( Trans-Union, XXXX and XXXX  ) was very good at XXXX. 

A couple of days ago I checked my XXXX XXXX account and I was surprised, confused andvery, very unhappy! 

I discovered that my credit score had been lowered by 42 points. Something nefarious is going on when a credit score is dramatically reduced virtually overnight!

Today I spoke withTrans-Union representative without a profound answeras to why my credit score was reduced by 42 points inside of a week!

Over the past 2 - 3 years I've worked very hard to improve my score, and I was making steady positive progress in consistently paying my debts and making on-time payments every month!

Can you provide me with some clarity as to why my credit score has been suddenly and dramatically reduced by 42 points? 

I can be reached by email at XXXX, or by phone at XXXX. 

I thank you in advance for your kind consideration and quick response. 

To Your Brilliant Health, XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (AL)

I was a member of XXXX XXXX in the summer of 2021. I canceled my membership cause they discriminated against me for having a XXXX XXXX. I agreed to pay one month 's membership cause they were threatening to report false information on my credit report. I set a cerfted letter to Aldous and associates. They continued to harass me and call and send a threatening letters
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent numerous letter to TransUnion advising of said information and to no avail have they acknowledged said inaccuracies or deleted said account to abide by the FCRA compliance. 

They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting documents providing such proof. 

How can two debt collection companies XXXX XXXX  and XXXX XXXX attempt to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, screenshot of the account on my credit report with TransUnion. Also, the mail sent by XXXX XXXX XXXX XXXX XXXX attempting to collect on the same alleged debt. 

This is clear violation of my civil rights and the FCRA guidelines. 

Permanently delete said account asap for inaccurate furnished data to be in compliance of the FCRA.
Consumer complaint received 2019-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I made a transaction on XX/XX/19 to send money to my Mom in XXXX. In less than 24 hours, my mom told me that the reference number on transaction doenot match and she had not received the money. I called XXXX at least five different times in an hour alerting them that my receiver had not received the money. One agent said that the money has already been submit. But did not provide who, when and how somebody took it without proper identification. I argued that money I send was taken out by somebody. Agent advised me to call after 3 to 4 business days. I called after more than 7 days and they said they are in under investigation and will take 60days. They also promise to call me or via mail me.. but I havenot get any response from them neither get my {$300.00} money back. Whatever they promise to people to send money safe, secure and fast but now I believe this company is total scam and fraud. They take advantages of people hardworking money to enrich themselves. Therefore, I believe this is the best solution for me to complain/contact you ( financial bureo ) to help me through out this difficult time. I eagerly hoping you will find the solution and sort this problem as soon as possible. 
Thank you
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: NRA Group, LLC (NY)

I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (TX)

I believe Great Lakes is over calculating interest amounts in their favor and therefore overcharging all their account holders for student loans. I friend of mine discovered that Great Lakes was charging a XXXX over every month on his student loan so I decided to check my loans as well. One of my loans with Great Lakes was overcharged a XXXX as well. Overcharging XXXX XXXX on millions of loans could be occurring and I'm asking the Bureau to investigate. Below are my figures to back up my claim. 

Principal Balance : {$720.00} Interest Rate : 3.150 % Last payment : XX/XX/2018 Today 's date : XX/XX/2018 Days difference : 20 days My formula used ( Principal Balance * Interest Rate ) XXXX # of days = interest amount My formula with amounts : ( $ XXXX % ) /XXXX*XXXX = XXXX However, Great Lakes states my interest is {$1.00} which is XXXX XXXX over. 

Please open an investigation.
Consumer complaint received 2022-03-07
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)

Equifax has failed to remove inquiries from my consumers credit report. Equifax did not / do not have permissible purpose. I did not give Equifax my written permission to report anything to my consumers credit report. 
Ive been reaching out to Equifax via mail/ certified letter with a return receipt to ensure that Equifax is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Equifax has completely ignored the law. Equifax has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Equifax is also committing aggravated identity theft! Equifax goes through a third party and take information from that third party and report it to my consumers credit report.
Consumer complaint received 2022-06-20
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)

I send information to Experian thru cfcb and they closed the case without fixing it submitted on XX/XX/2022 and I am seeking a XXXX per violation
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates and I have never entered into any contractual agreement. They are/and have been attempting to EXTORT me out of a FRAUDULENT debt of {$710.00}. Again I have never did business or entered into any contractual agreement with this company neither any of there associates. As a Result this company has been Bullying, Harassing and THREATENING me and my family on the phone, aswell as damaged my credit report with this FRADULANT charge.
Consumer complaint received 2023-01-16
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-07
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. (TN)

On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.
Consumer complaint received 2018-12-19
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)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Consumer complaint received 2022-03-07
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: General Motors Financial Company, Inc. (TN)

On XX/XX/XXXX I received a letter from GM Financial that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Designed Receivable Solutions, Inc. (WA)

In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (AL)

I signed up for this card back in XXXX in store and in XXXX a year later I lost the card and I have not bought anything from the store since. Around XXXX or XXXX of this year I paid the balance off in full and I have tried to apply for a home. The mortgage lender told me I had a collections account still on my credit from XXXX XXXX. I told them I paid the balance and provided the letter of payment from the military star. After talking with the broker I looked at the copy of my credit report to find that military star has been fraudulently pushing the date of delinquency by changing the information reported to the bureaus. XXXX XXXX is first reporting that the current status of the account is in collections/charge-off state. Second they report that I was late 5 times over 90+ days late but you do not find that information anywhere in my payment history on my XXXX  report, but on my XXXX report they do not report me being late and do not display any payment history at all as if I went straight to collections when I opened the account. On my XXXX report they also still have the current status of the account listed in the charge-off /collection state which is not accurate. Not only is XXXX XXXX reporting false information but they are not consistently reporting the information, and they are " Re-aging '' the account by changing the date of first delinquency. I have attached the paid in full letter from XXXX XXXX showing that the account should be listed as paid.