davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within XXXX business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners (CA)

I receive multiple calls from Affiliate Asset Solutions XXXX, LLC. Apparently, they are also known as XXXX XXXX XXXX XXXX, XXXX. I have a phone number that used to belong to someone else, and the previous owner incurred a lot of debt. They call me countless times per day, typically under scam likely tags, although their business name is found easily with a quick XXXX search. Their calls have disrupted sleep and work, costing me more money than the petty debts they are trying to collect that arent mine to begin with. I am being harassed by this company.
Consumer complaint received 2018-07-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Platinum Holdings Group, LLC (MA)

I took out a {$500.00} payday loan from XXXX, which was eventually sold off to XXXX XXXX XXXX. These collectors are hyper aggressive, calling my place of work and threatening to serve me court papers. I realize this is an empty threat. 

This is threatening my job security and while I've spoken to 3 different agents with this company, 2 of them have hung up on me while I attempted to get a written letter of debt confirmation. 

I told the agents I would be willing to pay down my principal balance from the original loan for {$500.00}, but no more. They got angry and tried to scare me into paying over {$1000.00} and proceeded to hang up on me when I tried to get their physical address in order to send a certified letter of debt confirmation, since I really don't know who these guys are.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDICO. INC (SD)

I was called by a debt collections agent on XX/XX/21 and quoted over XXXX  grand. When I called today XX/XX/21 to make a payment I was quoted as only owing roughly XXXX dollars. I asked the agent if that was for sure because I was quoted alot more the other day. He searched for anything else including spouse 's debt and found nothing. I have also recieved a letter from the agent I spoke with the from the first call. I paid the smaller amount.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX I mail a check to my mortgage company which is PHHMortgage I sent out a check in the amount of {$1600.00} and I decided to check in on it which I do every month around the XXXX the company had not received my check so I told him I will few more days around the XXXX a call back they still said he hadnt received it so I waited till the XXXX I called back again and he said he still hadnt received it so I was told to withdraw the money out of my checking and word to them which I did they received it on XXXX PHh And then I asked them to stop payment on their end on the check number XXXX and then I will go to my bank XXXX  and stop payment which I did and charge me {$30.00} for stopping a payment on a check then on the XXXX I get a low balance text from my bank stating I am overdraft {$1600.00} the bank notified me that PHH sent the check to they were holding it in the checking department all this time and told me that it was lost somewhere and then he reported me to the credit bureau 30 days late which they have possession of the check the whole time
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Navient is an absolutely terrible company to deal with. I make payments of hundreds of dollars only to be called the next day to be told I still owe hundreds of more dollars on " other '' loans. I've setup payment plans that they have cancelled without my knowledge. Most recently, I just recieved a call stating that my loan is 100 days past due and that I owe them {$2500.00} immediately when I was under the impression that I had a payment plan in place. When I told them that I don't have that amount right this second, the man on the phone said " account noted '' and hung up on me. Really? This is how you treat people that pay your company huge chunks of their income? 

I've been consistent with my payments over the past decade but the way they have treated me over the past year is extremely frustrating and uncalled for.
Consumer complaint received 2024-06-03
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)

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (HI)

Ally Auto is reporting to the XXXX credit bureaus XXXX, XXXX and XXXX that I have XXXX late payments existing on my now paid off loan. I have disputed this incorrect reporting and called associates employed at Ally Auto. Ally Auto will not give a solid answer and can not provide proof that i have made any late payments or the months indicated on the credit report. I have proof that i have made on time monthly payments throughout my loan term, when in fact they are negligibly reporting otherwise causing my credit score to drop. Attached are record of payments made to Ally Auto on month and year where they state the payments were late.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I requested modification from Chase bank Was told account was up to date can not qualify for modification unless past due Allowed two months to past and no mortgage payments were made, now past due Called back Chase and they initiated modification process Received correspondence about every 2 to 3 months from Chase requesting updates on my wife and me Completed forms for update and faxed back from a local Chase branch when each request was made About XX/XX/XXXX was advised modification was denied did not qualify The modification underwriter stated that my household income was to high Appealed denial on how it was done or processed and presented to me Received call a back on about XX/XX/XXXX from modification underwriter that my appeal of modification denied because no changes and we should consider a quick sale or a foreclosure Also he advised that my modification was originally denied from the beginning and because of mortgages regulations that they follow, had to continue processing under denial Asked him why was this denial allowed to go for almost one and half years if denied at an earlier stage. said had to follow banking regulations Was referred to a non profit organization HOPE to assist called HOPE and referred to XXXX ( financial solutions ) spoke with XXXX took down all my information and is under review
Consumer complaint received 2022-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) XXXX XXXX XXXX ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (GA)

I sent a dispute letters to Experian, XXXX and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA 609/611 provisions.
Consumer complaint received 2018-04-30
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. (FL)

A

ccording 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 Sign
ature on it ) you have on file of the accounts listed below. 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 accounts listed below.
Consumer complaint received 2018-12-13
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. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-06-02
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (CA)

Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized/fraudulent charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed charges XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I have been served with a summons by their attorney and based on the " Fair Debt Collections Practices Act '' this collection is in violation of the FCPA. I attempted to contact the attorney, and submitted a copy of 3 letters previously sent to XXXX, presenting my concerns regarding the fraudulent charges and complaints filed with the credit bureaus. Their lack of response is very frustrating. I am in desperate need of your help. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (PA)

I received a collection letter on XX/XX/2022 from American Coradius International LLC XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, NY XXXX They claim I charged {$510.00} on a XXXX XXXX XXXX XXXX account. They claimed a credit or payment had been made for {$130.00} and I currently owed {$380.00}. 

THIS IS FRAUD AND FALSE I never had a XXXX XXXX in XXXX account. I never charged {$510.00}. 

I called XXXX on XX/XX/2022 at XXXX and XXXX XXXX the letter is fraud. There are no transactions on any account in my name for that amount. The XXXX transaction ID is incorrect. 

The letter was sent to my address, but did not use my correct legal hyphenated name. 

I'm concerned people with think this is real and pay it since it's debt collection. 

YOU NEED TO STOP THEM FROM SENDING THESE LETTERS.
Consumer complaint received 2019-03-27
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. (MO)

XXXX, XXXX  & Transunion are reporting lates on all 3 of my XXXX  XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Consumer complaint received 2020-07-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington purchased my home mortgage loan from XXXX back in XXXX and I have had nothing but issues since. I have never missed a payment and even pay early, but they have not applied my payments to my account and show me in default. I have called them 4 times starting back in XXXX and each time they tell me it will be corrected and nothing will be on my credit report. These are both lies as my account still shows I am behind on my mortgage payments when I am not and also they have notified the credit bureaus that I am 60 days overdue on payments. I have attempted to dispute these credit reports, but Carrington lies to them as well and tells them I am behind when I am not. I have bank payment records from XXXX proving this fact and also proof of receipt by Carrington. 

This is criminal and needs to stop as false reporting on your credit tanks your score, hinders your ability to find employment, purchase a vehicle etc. Now I will have to hire real estate attorneys and pay excessive fees just to fix a problem they have caused. They should not be in this business.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-27
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. (PA)

On XX/XX/19 I was texted a message with information that I had a new XXXX account. I had never opened an XXXX account. On the advice of my credit card company, I proceeded to freeze my credit in hopes that would dissuade identity theft. Freezing my credit through XXXX and XXXX was quick, thorough, easy. and efficient. However, when I tried to freeze my credit through Experian, they kept trying to force me to join and to buy their credit protection products. I was unable to communicate this problem to them without joining. Identity theft is a huge problem in our country. This company needs to become more consumer friendly and accessible to help solve the problem. Plus, I am almost XXXX years old, and this situation is anxiety producing enough without being stonewalled by a company that is supposed to be there to help.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (VA)

The Following accounts XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX have been deleted from XXXX but are still reporting on Equifax And XXXX inaccurately. The law say every Credit Bureau must report complete and accurate data on my credit report.