davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called  them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint. 

I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.
Consumer complaint received 2018-04-23
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 didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Consumer complaint received 2019-03-22
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. (DC)

Currently I have been in the process of getting a mortgage. I started this process back in XX/XX/XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX-experian, XXXX XXXX, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, 500 increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX Experian a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I am an XXXX year old XXXX, applied for HARP, was told a new3 mortgage was better, refinanced in order to lower my mortgage payments. My mortgage was sold immediately and handed over to something called SLS. SLS now advises I owe an additional {$710.00} for escrow shortage and is increasing my payments to within {$100.00} of my old mortgage. At the time of refinancing I was told I would be saved {$300.00} a month. Today I received a notice from XXXX XXXX that SLS has not paid the insurance payment. I made a terrible mistake, allowing the person I dealt with to talk me into this mortgage and am overwhelmed with it. If you are able to help me with this, it will be an immeasurable kindness. Thank you for your time and attention.
Consumer complaint received 2023-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Our mortgage lender, Lakeview Loan Services LLC, has been reversing our monthly payments from XX/XX/XXXX to XX/XX/XXXX without any notice to us. This has caused accumulated late fees and hits to our credit scores. 

This entire situation was extremely negligent on the part of our mortgage lender because if there were issues at all with our account 's status, we should have been properly and promptly notified, not receiving receipts of payment. We have spoken to their customer service on the phone trying to fix this and when we asked why we were not notified, they stated it was because they didn't have our phone number. That's not an acceptable excuse. This has done a lot of damage. Once we found out this was happening we were sure to make a large lump-sum payment to be current. The funds were immediately wired to their bank. 

When this started in XXXX, we logged on to make the payment that month Lakeviews site was having difficulties. We attempted multiple times in XXXX to make a payment, yet the payment portal was still not working. We called Lakeview in XXXX once we realized this was turning into an issue and the customer service rep stated that their system could be behind ( she said she had seen it lag for up to three months before ). She said she was going to process a payment immediately and for us not to worry that it would be taken care of and that nothing was being sent to the credit bureaus. We then tried to schedule XXXX 's payment while on the phone, however, she wouldn't schedule one - she told us the XXXX payment needed to process first because if the system was having issues it needed to catch up, and that hopefully the online portal issues would be resolved soon. 

When checking for the total amount in late fees we paid, it turns out they did not take that from the amount wired, which is what they stated they would do. They used the late fees as a payment for the month of XX/XX/XXXX. That is not what we agreed upon. The amount wired was to cover XXXX and the late fees. Our account is showing that as of today 's date, we still owe in late fees. 

In addition, we have an escrow account and when we first got the loan we were being charged PMI. Once the equity in the home increased over 20 % the PMI was supposed to drop off ; however, were still paying PMI and its being send to escrow.
Consumer complaint received 2022-06-14
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. (AL)

In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 

Credit Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

I did not authorize the above inquiries.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX  each month for my credit reporting and score.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Mt. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in XX/XX/2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Consumer complaint received 2019-03-22
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 Requested validation of debt from Experian after unsuccessfully reaching out to creditor ( XXXX XXXX XXXX XXXX ) via certifed mail which was return.

After sending certified, return receipt letters to Experian on XXXX2019, which they received on XXXX19, reporting that there were inaccuracies on my credit report in the claim I have a charge off and I would like some type of verification, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XXXX19, which was received on XXXX19 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2018-04-23
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. (KS)

XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

Gold Key Credit Inc is attempting to collect a debit of {$710.00} from me that is not mine or owed, I will keep fighting until this is off my credit.Its against my rights and illegal my name is being slandered for something that is not mine remove it.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSH & Associates, LLC (MO)

RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements
Consumer complaint received 2018-04-10
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)

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Good day, I have tried to contact experian via phone call after phone call. I was able to contact experian by email several times within the last 2 months an informed them that they have illegally put a freeze on my account. Experian has not sent me correspondence back after I informed them that they have not been reporting XXXX for 16 months, XXXX  for 4 months and XXXX XXXX for 6 months nor my XXXX XXXX XXXX for 5 months.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Fraudulent activity was found on my credit agency Experian account. Someone had stolen my name and social security number. I found out months later and made disputes and filed a police report locally as that is what Experian told me to do. I also was told to mail all credit agencies a police report and identifying information through the mail to request a 7 years extended fraud alert, which made me uncomfortable as all my identity information was in one place in the mail. I did so as the online download did not work and they will not do it over the phone. I sent reports registered mail XX/XX/22 to Experian and other 2 credit agencies. I pay for a membership with Experian. Experian does not note on my account if the extended fraud alert was added. I can not see information on the state/duration of my freeze on my profile. Nor can I reach a living person of the phone or email to verify. I emailed help from my account, but they told me they could not help me and referred me to a National Consumer Assistance Center, not Experian. I then tried again to use Experian download online to submit all of my personal identity information and police reports and identity fraud report ( FTC ) again. The website will not accept even one pdf at a time. It does not work. I did tell a dispute representative this in early XXXX. I can not reach a person in fraud dept. regarding freezes or alerts and I get no response sending sensitive documents by mail. Fraudulent accounts and identity theft took place through fraudulent data placed on my file and shared with utility companies, collectors and banks/credit cards by way of inquiries without my consent.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. 
For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. 
A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and TransUnion are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX. I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TN)

I received a random message from a suspicious email on XXXX XXXX, 2022 called XXXX, claiming that XXXX uses XXXX TRS Recovery Services '' to process customer payments. This email claimed that XXXX was unable to process a transaction without naming what the transaction was, and that I owed money to Amazon. I then received at least 2-3 letters from this TRS Recovery services XXXX claiming that I owed money to XXXX. 

I ignored the first letter, but they sent me another letter telling me that I need to write or call them to dispute the debt, although they were asking me for all of my personal information ( bank account numbers, etc. ) on their dispute form. I of course did not give them any of this information, and I reached out to XXXX on XXXX XXXX, 2022 to ask them about this company. The representative that I spoke to via chat confirmed to me that I do not owe any money to XXXX, that they would contact anyone directly for billing issues, and that they wouldn't go through a XXXX party company to contact customers about billing or debts. 

This company keeps sending me letters and falsely claiming that I owe money to XXXX.