davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CHILD SUPPORT ENFORCEM Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX  or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-25
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. (NJ)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : Transunion. XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX  : XXXX   Transunion : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX  Trans union : XXXX XXXX   XXXX  : XXXX XXXX : XXXX Trans union : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX   XXXX  : XXXX  Transunion : XXXX , XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX , XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX , XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX , XXXX XXXX:XXXX XXXX : XXXX Trans union : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX  , XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

I was taken in an ambulance to the hospital on XX/XX/XXXX. I got a bill from the Ambulance Company, XXXX XXXX XXXX. I paid the debt off which was around {$800.00}. Then about a year later in XXXX I was sent numerous letters saying I did not pay. I went to my bank, which at the time of the event and paying off of the debt was XXXXXXXX XXXX. I was able to get a print out proof from the bank stating that I paid the debt. It was submitted and the debt was removed. Now, it is XXXX and I have since moved from the XXXX, XXXX area to XXXX XXXX. I changed banks to XXXX XXXX. Commonwealth Financial Systems has since contacted me saying I have unpaid debt for {$1100.00}. They sent me a letter at the beginning of XXXX and I contacted them to try and tell them I paid off the debt but they would not accept my reasoning. So I reported them to XXXX as fraud and XXXX removed them from my credit score. Now, on XX/XX/XXXX I have gotten another letter from Commonwealth Financial Systems saying I have unpaid debt for {$110000.00} which is fraud. Since I reported them once to XXXX, the incident is flagged for a year on my credit report and I can not report them again. The current creditor is XXXX XXXX XXXX. XXXX XXXX is listed as the collection representative. I am going to try and contact XXXXXXXX XXXX to get a copy of my financial records that says I paid the debt off in XXXX. Please help me from getting contacted again by debt collectors for debt I have already paid.
Consumer complaint received 2018-10-25
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   FINAL BILL XXXX : XXXX XXXX Equifax:XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX   XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-25
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX   Trensunion : XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-25
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. (DE)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX   Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX
Consumer complaint received 2018-10-25
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Experian XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX : XXXX
Consumer complaint received 2018-10-25
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. (DE)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  )
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

Im being harassed by collection company trueaccords. Ive been harassed for months with unknown reasons to collect money & illegal intent to extort me to pay unidentified debt to them. 

Suspects : XXXX XXXX Suspects : XXXX XXXX
Consumer complaint received 2018-10-25
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: Stanislaus Credit Control Service, Inc. (GA)

My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.
Consumer complaint received 2018-10-25
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. (DE)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery calls my phone several times a day from various area codes none of which are the area code I live in, when I answer the phone there is no one there most of the time. I called the number back today ( number from Virginia and I live in Illinois ) to find out who is calling my phone. They asked for personal information from me and I told them I had no idea why they were calling and that they called me first I wanted to know who they were and why they were calling. I gave them my name but nothing more. Again was asked for social security number and I told them I would not give out my personal information without knowing who is calling and why. Their only reply was this was a personal business matter, I explained I didn't know who they were and I had no personal business with their company. She said she was going to end the call because it wasn't getting anywhere. I told her they were going to be reported to the FTC.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (AL)

Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me
Consumer complaint received 2018-10-27
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

XX/XX/XXXX foreclosure auction saleXX/XX/XXXX XXXX XXXX servicer {$370000.00} owed sinceXX/XX/XXXX due to NO Bank/Mortgage servicer being legitimate! So mo payments made almost 12 years XXXX XXXX dismissed foreclosure XX/XX/XXXXdue to no valud deed mo promissory note!

XXXX XXXX is trying to foreclosure sale auction XX/XX/XXXX so we filed in Superior Court to stop til XX/XX/XXXX granted Lawyer for faye offered loan modification in court to stop sale!

We have had free legal help n now trying to work with XXXX XXXX to help on our behalf for loan modification Faye does not have legsl paperwork!!!
Consumer complaint received 2018-10-25
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. (OH)

I submitted my FTC Identity Theft Affidavit to Equifax to block a medical debt that is appearing on my credit file. It was determined that the medical debt in question being held by collection company XXXX XXXX  and the original creditor being XXXX XXXX XXXX. The account number is XXXX, note that Equifax only shows the first digit on this account and the remaining four digits are blocked out. My FTC Affidavit also included an inquiry by XXXX XXXX that was also listed on the Affidavit and Equifax refused to block that as well. I received and email notification from Equifax stating my dispute was ready to view and upon doing so Equifax states that they would not be blocking this account from my credit file and I other reason was given. When I submitted my Identity Theft Report I also included copies of my drivers license, social security card, Identity Theft Report and 605b print off. XXXX and XXXX have blocked this account but Equifax refuses to do so. Even though Equifax received my Identity Theft Report they still added a fraud alert to my credit file.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-10-12
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2018-10-25
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. (HI)

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I have tried to cancel this service multiple times over the last 2 years however when I last contacted them XX/XX/XXXX, they claim they are unable to find my account. This is not the first time I have tried and each time I become so mad and frustrated I give up. Experian has now sent me an email stating they will be increasing the monthly service for the membership I do not want and they seem to not be able to find when I try to call or email them. I have not logged into their site in over a year and can't reset the password when I have tried because " they can't find my account ''. I have no desire or value in this service and have not wanted it in some time. Their IVR in the phone system is a joke- no matter what prompt you push you CAN NOT connect to a live person. HORRIBLE HORRIBLE company.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix  this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (KS)

Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. 

Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. 
The decrease in credit limit will negatively effect my score even though account was always current. 
They sent letter day before decrease so no proper notice was given.
Consumer complaint received 2018-10-25
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. (WI)

I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my Trans-union Credit report says Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.