davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Imperial Recovery Consultants, LLC (WA)

On XX/XX/21 i received a voicemail from XXXX. The message states that they are calling in regards to a case attached to my name and social security number that is currently pending to be filed against me in my local jurisdiction. The message went on to say they will be stopping by my home or my place of employment to deliver my legal documents. The message then states that they request I call them to confirm my address and if I fail to do so, they will take a default action against my social security number and requests I call XXXX. They did not identify as a debt collector in the voicemail nor did they identify their company name. This is a violation of the FDCPA. They threatened legal action against me. This is a violation of the FDCPA. I have never received a written notification of this debt in the form of a validation letter. Filing a lawsuit without first validating a debt is a violation of the FDCPA. On XX/XX/21 I received another voicemail from XXXX from the same outfit. The voicemail states they are contacting me regarding an attempt to serve me at my residence but there was nobody there to sign for the papers, however my significant other was home and there was no attempt. They requested a call back at the same number XXXX. I called the number back and spoke to a gentleman. I asked the name of the company and he identified as Imperial Recovery Consultants. I asked where they are located and he said they are licensed in 38 states but their headquartered in Pennsylvania. However with a quick XXXX, this agency is in XXXX, FL. They are falsely representing themselves. I asked why they are calling me and what the debt is, he refused to answer, he did not read the mini-miranda, and ultimately hung up on me. Additionally I can not locate an actual office in the state of Washington and to collect and call into the state of Washington, I believe that specific person must be in the state of Washington or within 100 miles of an office within the state of Washington. I called again and gave them my phone number and they said they were looking for someone totally different and they would update their files. Regardless, their tactics were abhorrent, deceptive, misleading, and unlawful. There are state and federal violations all over the place with these people.
Consumer complaint received 2021-08-20
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: Professional Credit Management, Inc (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... PROFCRJXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2021-10-19
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. (PA)

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to them or else remove the inquiries from reporting on my credit report.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I applied for a credit card with an XXXX Guest Reward Mastercard from Bank Of America and my application was denied. At the time of my application, my credit score was XXXX. This credit is considered to be very good given that I have excellent payment history and low debt to income ratio. 

As a result of applying for this credit card, my score was mysteriously lowered to XXXX. 
Bank Of America sent me a disapproval letter stating that my score was XXXX and not the score that was current at the time of my application. Which means that my credit score was not referenced at the time of my application. 

The reason given for the denial was that : -You do not have a sufficient number of established credit references -There are too many inquiries on your credit files ( Note : I have at most 2 inquiries ) -Limited deposit and/or investment balances with us and/or our affiliates.

I have concluded that Bank Of America is operating with a nefarious intention or XXXX discrimination in denying my application or they did not want to honor the offer of XXXX XXXX points in with opening an account a rewards Mastercard. 

Bank OF America also stated in an email that I had requested a balance transfer with the application, which I didn't Bank Of America has already being found guilty of consumer fraud in New York and ordered to pay XXXX XXXX Dollars. 

So I will be following up with other legal means to stop this XXXX fraudulent institution.
Consumer complaint received 2021-10-19
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: Lending Club Corp (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LENDING CLUB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-11
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/ 2020 2020
Consumer complaint received 2020-12-11
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. (CA)

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, XXXX and Equifax are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Consumer complaint received 2020-09-01
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-10-19
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: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :
Consumer complaint received 2020-12-11
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. (TX)

I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.
Consumer complaint received 2021-10-19
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: Bread Financial Holdings, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (ME)

Account should not be currently reported as collection account, as it is paid and closed. Should not be reporting as a collection account as the creditor assigned this account to a collection agency. Account is paid and closed, and not a current collection account. Also, account was supposed to be placed in a medical hardship status. Thank you.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (GA)

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I have attempted three times to request an escrow analysis from Amerisave. Every time I get a different answer. My total expenses for property tax and homeowner insurance is {$6900.00} and they are collecting {$950.00} each month totaling {$11000.00} annually. My current escrow has a balance of {$5200.00}. This means by the end of XX/XX/XXXX my escrow balance will be {$9600.00}. 03. I have called the following times : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Every time I get a different answer stating they will complete an analysis until today XX/XX/XXXX when I spoke to XXXX who states I have to call back XX/XX/XXXX to request the analysis. 

I need to find out what my legal recourse is to solve this issue.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (NJ)

Stenger and Stenger filed suit against me in XXXX XXXX XXXX Court. I contacted them and explained I never had this account. They forced me into a payment agreement so I could have time to correct this before the court case.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

I was trying to pay off my debt with midland credit management & I didn't have my account number so it had me put in my last name, my DOB month & year and the last four of my social security number. It then took me to a page about 10 % off the balance if you paid in full that day so I selected that option and put in my debit card information. After I processed the payment it then took me to an account page that was for someone that I do not know causing me to pay for someone else 's debt. I immediately called midland and voided the payment option on their website and filed an escalation that involves me not getting my money back immediately even though it had just happened and I immediately voided to payment. They could not explain to me why my personal information was going to someone else 's account & now I'm scared my information can easily be accessed. The company told me I had to wait 7-10 days for a solution & did not give me any answers as to why I couldn't get my money back right away when that account I paid on was not mine.
Consumer complaint received 2021-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAP ONE Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
CAPITAL ONE Potentially negative Date opened XXXX Balance {$6500.00} Status Account charged off. {$7100.00} written off. {$6500.00} past due as of XXXX XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2020-12-11
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. (CA)

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
Experian, XXXX and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Consumer complaint received 2020-12-11
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. (CA)

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.
Consumer complaint received 2021-10-19
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: TD BANK US HOLDING COMPANY (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2020-12-11
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. (CA)

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Consumer complaint received 2020-12-11
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I sent out a Validation Letter to Macys/DSNB. 
I received a letter stating of an account they have. However they did not validate the account information that i requested. This has shown up on my credit report this has caused me stress and health concerns.