davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2016-10-14
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Midwest Service Bureau, Inc. (MO)

Manager there told me that she answers to no one. I asked where I can report her and she said there was no where to report her and there was no need to try as my problem will only be solved through her. Luckily we live in the day of information. I would highly recommend reviewing the number of complaints about this facility. XXXX reviews show that every person who calls gets this same treatment.. The manager I spoke to informed me that she answers to no one so I assume that 's how she runs her whole department. Absolutely ridiculous.
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

I have tried to resolve the issue with this storage company, my things were auctioned off and still left with an outrageous bill. Sent to collections and have been hassled about the balance ever since.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: DISCOVER BANK (TX)

I have a personal loan with Discover. I have automatic payments setup to be paid by the XXXX of the month. No problem, those are applied. 

But, I would like to pay extra on the principal amount and I asked how I can go about and do that. Here is their reply : Dear XXXX XXXX, Thank you for contacting us regarding your personal loan with Discover. 

We received your request about making a payment to the principal only. The easiest way to do this would be to combine the amount you want to make toward your principal with your regularly scheduled monthly payment. 

Any amount exceeding your Scheduled Payment amount that is included with your Scheduled Payment will be applied to your account as follows : 1. Unpaid late fees 2. Accrued and unpaid interest 3. Unpaid principal amount But, should we NOT be allowed to make extra payments on the principal amount? I understand # 1, but not # 2. 

Regards, XXXX XXXX
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (LA)

On XX/XX/19 my mortgage lender tried to pull my credit so that they could get me pre-approved for a home loan. I was advised from my mortgage lender that when they pulled my credit they were unable to see any data on my Equifax and that they would not be able to pre-approve me without this information. My mortgage lender recommended that I call Equifax and inquire why my information is not reporting. At XXXX cst, I called Equifax at XXXX and spoke with a lady that was able to pull my file and confirmed that all my personal information was reporting correctly and that she does not see why the mortgage lender is not able to see my report as I do not have any alerts and/or freezes on my report. I asked her for my report number so that I could give it to my mortgage lender in hopes that it would help. She gave me my report number and also gave me their Business Line number ( XXXX ) to give to my mortgage lender. I called my mortgage lender back and gave him all the information. On XX/XX/19 at XXXX cst, my mortgage lender informed me that he pulled my credit file again and that Equifax is still not reporting a credit score and not showing any information on my file. He asked that I call them again and ask why they are not reporting my creditors and information. At XXXX cst, I called Equifax again at XXXX, the first guy I spoke with told me that this is not their responsibility to report my information and that it must be a typing error on my mortgage lender. I assured him that my mortgage lender has all the correct information and that I need to know why my credit file is not reporting a score and any of my creditors. He kept reiterating that it is not their responsibility and that it is an error on the mortgage lender. I simply hung up and called again. The guy I spoke with this time informed me that he does not understand why the mortgage lender is not able to see any information. He confirmed that my name, address, SSN, and birthdate were all correct ( the same information that the mortgage lender has ). He asked if he could put me on hold to speak with another representative on why this may be happening as he has never heard of this issue before. When he returned to the phone he informed me that my name may be the issue and that the mortgage lender needs to use my middle initial. I let my mortgage lender know that they may need to use my middle initial. My mortgage lender informed me that they have tried with and without my middle initial and has even tried my maiden name. Every variation they have used on my name to attempt to pull my Equifax credit file has turned up " blank ''. They are able to see my XXXX and XXXX  reports without any issue but Equifax is showing nothing.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX an order was placed using my synchrony bank credit card the orders were delivered on XX/XX/XXXX and they were damaged they were picked up and returned to the warehouse on the XXXX they try to re-deliver a wedge and the wedge was damaged along with all the other furniture which I sent email to Ashley furniture on the XXXX XXXX XXXX males came in the warehouse I called I spoke with customer service a woman by the name of XXXX with customer service that said the items have been received in the warehouse I also spoke with another customer service rep named XXXX that also confirm that the items were received in the warehouse I was sent information from synchrony bank that was supplied to them by Ashley furniture with a signature that does not match my signature and the name that does not match my name stating that these items were delivered to a place that does not even match the description of my place I do not have any furniture from XXXX as they were delivered damaged and refused and returned and now I am on rightfully being charged for the amount a bit these items which is effecting my credit I want all items removed off my credit and so I have no merchandise from XXXX and it was confirmed more than XXXX time that the items were delivered and receipt to the warehouse.
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, Account number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Midwest Service Bureau, Inc. (KS)

Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX/XXXX/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts.
Consumer complaint received 2022-05-17
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. (AZ)

On XX/XX/2022, I received an alert from XXXX  that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
XXXX also indicated that a credit account had changed on my report. The account was for an energy company in XXXX called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX two times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. Experian sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in XXXX My consumer report shows I'm currently XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. At no time in 10 years have I lived in XXXX XXXXr even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX  XXXX Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account XXXX : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

XXXX following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young  daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX XXXX  unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as XXXX State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARMEL FINANCIAL CORPORATION, INC. (FL)

I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
Consumer complaint received 2022-05-17
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. (NY)

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by experian, XXXX, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Consumer complaint received 2022-05-17
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. (NY)

I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX XXXX, or equifax. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details
Consumer complaint received 2019-07-20
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. (FL)

XXXX XXXX sent a letter of disputing a charged off code on my credit report for XXXX and equifax since XX/XX/XXXX. XXXX and equifax has not removed or delete XXXX  XXXX account this account is closed and paid as agree
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (DE)

I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. 

According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Consumer complaint received 2018-07-16
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018, CHASE made an inquiry into my XXXX file without my authorization or knowledge. CHASE has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC (NY)

this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management has repeatedly contacted others, i.e. children, ex significant other, childrens ex-partners, family members, asking for my whereabouts and disclosing the reasons for the call. I have previously asked for the company to communicate only by mail and they have ignored my request.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NC)

These inquiries on my credit report are unauthorized 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 XX/XX/2021 These inquiries are unauthorized XXXX have written consent with my signature