davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX card. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak XXXX but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines
Consumer complaint received 2021-03-07
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: BMW Financial Services NA, LLC (NY)

XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ocwen/ PHH is the servicer of my Loan, I am trying to Refinance to consolidate First & Second lien of my property, doing so I will be greatly benefit, but I am having trouble getting the Payoff to be able to set the closing date, PHH is not cooperating. I had made many call and also my Loan officer had requested the Payoff for about 2 months to them, with no response. I need your help as to my interest rate on the financing I am trying to close is about to expires. Please help.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (OH)

Radius Global Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX Radius Global Solutions, ( XXXX ) XXXX keeps calling my place of business about a bogus debt. I specifically told them I would ONLY correspond by mail and asked for a verification of the debt. It has been 2 weeks and they have not responded by mail and they call me 3 and 4 times every day at work.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS ACCOUNT RESOLUTION # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dear CFPB, My name is XXXX XXXX XXXX. 


I have been dealing with Equifax for almost a year trying to correct an error with my name. 

I have again, and again, and again, try to correct an error in my report with Equifax. They have me listed as XXXX XXXX XXXX! 

My name is NOT XXXX XXXX XXXX! 

My name is XXXX XXXX XXXX!. 


A few weeks ago I spoke with an Equifax employee who claimed to be a supervisor, but was clearly lying, as they will do anything to keep from getting there contacting a supervisor tally up. 

The poorly trained rap did not speak enough English to do their XXXX job, which is messing up my XXXX life. It is literally keeping me from being able to get credit or get a mortgage. 

This lying, poorly trained, poorly English-speaking rep actually deleted my proper name from the report when I had told her the Erroneous name is XXXX XXXX XXXX! 

THEY DELETED XXXX XXXX XXXX. 

AND KEPT THE WRONG XXXX XXXX XXXX!!! 


Please help me!!! 

This has not been resolved for over a XXXX year and they have now made the XXXX insane mistake, a staff member that was clearly not a true supervisor. 


Attached is a copy of their investigation report showing the insanely XXXX mistake they have made XXXX up my life!!!
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am extremely dissatisfied with your bureau 's failure to comply with the law regarding accurate reporting on my credit report. There is fraudulent information present, violating my consumer rights. Whether due to inaccurate, incomplete, or unverifiable reporting, it's crucial that your bureau promptly corrects and removes this misinformation. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (OH)

I logged in to my online account on XX/XX/2019 in order to find details of my loan balance and interest rate. A simple monthly statement for viewing or download would have been fine. But that was no where to be seen online. Absolutely no where could I find my interest rate. 

I called the company to ask for a statement on XX/XX/2019 and was informed that they would not provide a statement. They offered to mail/email me my original paperwork and a copy of the payment history. I stated that it seemed odd that they could/would not provide a statement. The representative had no explanation or idea why this would not be provided.
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

On XX/XX/2021, I tried to log in to pay my mortgage XXXX My log in failed - there was no message saying anything was wrong with password or ID ... it just kept reverting back to log in. I even tried forgot password to see if that would help. 

No luck. No tech support available through their website. I called customer service. They have the most convoluted " Self SErvice '' messaging. And their customer call line keeps directing one back to the website. I spent over an hour trying to find my way through their phone system. I can't even remember how but I finally got a person. Not the usual press 0 or # ( In fact when you press 0 more than once you get a good-bye and then a hang up ). Once I got a person, she told me I was locked out of my account because I had my cell phone number also listed in the home number spot. She unlocked my account and I was able to pay. 

Today one month later I log in to make a payment ... and the same thing ... log in does nothing except bring back a new log in screen. No error message ... just a continuous loop back to log in. So I called again. I have spent 45 minutes trying to find anything on the phone service that will be of help. I can not figure out how to reach a person and NOTHING at the customer service line leads to something or someone to help with this matter. 

This trouble paying can lead to credit damage. How do I get to speak to someone who can help me? All I want to do is be able to make online payments. In the past ( For YEARS ) there was never any trouble making online payments. This company has horrible service.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NY)

XXXX XXXX is XXXX. 
XXXX and can not pay debt due to his XXXX. 
It is the responsibility of Medicaid and Medicare of whom is Responsible for XXXX XXXX. 
XXXX has to attempt to collect from XXXX and XXXX. 
XXXX is sending threatening notices to my residence after XXXX XXXX repeatedly asked XXXX to stop sending letters to my house. 
XXXX XXXX spoke with Supervision of XXXX and informed XXXX of the situation. 
XXXX has sent XXXX XXXX XXXX different letters for collection for a 2022 debt that XXXX XXXX is not aware of A debt was never attempted to be collected or asked for in 2022. 
XXXX is spamming XXXX XXXX mailbox. 
Please ask XXXX to Cease and desist all Spam letters.
Consumer complaint received 2023-03-17
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (IA)

I had cataract XXXX back in XXXX of XXXX. Originally the first eye was to be done in XXXX and I received a call from the medical provider stating that I would receive a " substantial discount '' if I moved the XXXX to XXXX. I started receiving bills after the surgeries that did not match up with my health care provider and the amounts for the two dates of service was different even though the procedures for both eyes were the same. I contacted my health insurance provider and it took them to decipher what the medical provider had done. Apparently even though all of his companies are at the same location and you do not have to go outside to go from one business to another they use different provider numbers and some of the numbers that were used were out of my network. They have told me what the correct billing amount should be and I have yet to be provided with those statements which also should include the discount promised due to the inconvenience of me rescheduling my XXXX. Instead of providing the information they retained a collection agency who was, on more than one occasion asked to provide the statements and as of this date they have not been provided and instead are reporting this debt to the major credit bureaus and is currently affecting my credit. 
Please note : The email attached dated XX/XX/XXXX was actually written on XX/XX/XXXX and was sent but for some unknown technical issue was not sent and I found it in my draft email box.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (TX)

On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me. 

I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me. 

On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute. 

On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally. 

On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me. 

XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call. 

National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into  collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.
Consumer complaint received 2019-05-01
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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc (KS)

COMPANY REPORTING FRAUD ACCOUNT ON CREDIT FILE WITH ALL CRA. THIS IS NOT MINE AND, AND I HAVE NEVER DONE BUSINESS WITH CLIENT/ COMPANY, FRAUD AFFIDAVIT FILED WITH FTC CASE # XXXX ID FRAUD, SAME ACCOUNT DATA REPORTED 3X WITH 3 DIFFERENT COMPANIES DEMANDING SAME PAYMENT OF {$280.00}. COMPANY VIOLATED " FDCPA, FCBA AND FCRA '' Account Number:XXXX-XXXX-XXXX
Consumer complaint received 2019-09-23
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. (OH)

I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NCA # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE AND BECAUSE OF THIS IT HAS CAUSED SERIOUS DAMAGE TO MY NAME AND MY CREDIT HISTORY. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-05-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. 

The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.