davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXXXXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.
Consumer complaint received 2022-11-17
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. (MO)

I am submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit 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 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 XXXX XXXX XXXX. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.
Consumer complaint received 2020-07-21
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. (TX)

address that are not mine : 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 accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury XXXX
Consumer complaint received 2024-02-23
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. (GA)

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 2020-07-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. 
In the last 30 days they call a minimum of 3 times per day. 
My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NM)

I'm a XXXX percent XXXX veteran and I defaulted on an XXXX credit card. I had a major hardship and needed to move to New Mexico to care for my now XXXX mother in law. 
After I got moved, XXXX began garnishments on my social security XXXX benefits. Instead of simply taking {$100.00} a month, they took the maximum allowable of {$260.00} a month which caused even MORE defaults for me when I got moved. I couldn't stop them from garnishing my XXXX benefits. After receiving the stimulus money of {$2400.00}, I combined that with money from my mother in law and was finally able to pay off the {$3000.00}. I sent {$3100.00}. 

They applied {$2600.00} and retained {$490.00} for a NEVER DISCLOSED TSI fee. 
Now they say I owe {$530.00} with NEWLY applied interest. They forced interest every month already over the past two years. 
I'm at wits end. I have XXXX XXXX  XXXX. The mere idea of contacting them over this has me in a terrible attack. I'm a complete mess and I have no recourse when they have direct access to my social security XXXX benefits.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc. (TN)

A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I filed a dispute with capital one regarding a extended auto warrant from XXXX XXXX XXXX. XXXX XXXX XXXX sold me an illegal warranty in the state of California. I provided all documentation to capital one on XX/XX/XXXX to support my claim. I soon after received a refund for the disputed amount {$2600.00}. It came to my attention when my service adviser XXXX reached out to XXXX XXXX XXXX to get repairs done around XX/XX/XXXX. He reports he waited on hold for 1 hour and when asked for VIN they hung up. He called back and waited on hold for 30 minutes before giving up. I tried to reach out to them and was also unsuccessful. I then did a XXXX search and found out they were not a legitimate company. Then on XX/XX/XXXX XXXX XXXX of insurance issues a cease & deceased order because lots of Californians were scammed. Fast forward to XX/XX/XXXX when my card was rebilled. I called cap one on XXXX, XXXX and twice on XXXX seeking resolution. Six months go by after I submitted all the documents I thought they needed, and I received a notification on my phone that my credit card was rebilled. They advised me a letter was mailed explain what was needed. At the time I called I had not received letter. I spoke to a dispute manger who advised me to send over documents proving I paid for repairs and any other supporting documents. I received email link on XX/XX/XXXX, which is when I uploaded additional documents. I called on XX/XX/XXXX and verified documents were received and they would expedite review process. I called back again onXXXX of XXXX spoke with another dispute manager and was advised my case was ruled in my favor. I was advised the balanced would be credited back. This all occurred on a recorded line. I noticed several days went by and my balance had not been reversed. I called back on XXXX of XXXX and was told something totally different. Infact I was told I lost my case because I did not provide correct documents. Capital one has been so inconsistent with providing me information not sure who or what to believe. They told me that no one actually looked at my initial documents I submitted on XX/XX/XXXX. I have been mislead and mistreated. I was also told because I didnt provide correct documents my case was closed. I believe I was not protected after proving my cases.
Consumer complaint received 2017-12-10
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. (MN)

Since XXXX, I have continuously been a victim of identity THEFT. I have reported this to all three credit bureaus on a number of occasions. I contacted EQUIFAX on several occasions via CERTIFIED MAIL, their website, by FAX and by phone advising that I have no knowledge of the below accounts, I also requested VALIDATION of these remarks and never received validation. To date I still have frivolous accounts listed on my credit report as charge off and or as derogatory remarks. These allegation of having a charge offs or derogatory remarks on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character XXXX statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting. I am requesting that Transunion remove the below accounts from my credit profile IMMEDIATELY as this is a violation of FCRA and FDCPA. 
Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

I sent a certified cease and desist letter with receipt to midland credit management on XX/XX/2022 and it was received on and signed for on XX/XX/2022. Midland credit management fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( XXXX ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Midland credit management is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

dispute the information in the credit report. 
The letter they sent was to a postal address of a XXXX XXXX in XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in XXXX XXXX could not send me to XXXX the letter from XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
Consumer complaint received 2022-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I would like to file a complaint against Equifax. Today, they incorrectly and unfairly decreased my credit score by XXXX points. I applied for a loan, which resulted in a hard inquiry. This inquiry was also reported to XXXX and XXXX which only reduced my score by less than XXXX points. XXXX uses XXXX just like Equifax. My score did not severely drop at XXXX. When I called Equifax, they could not explain the score decrease and refused to provide an explanation. Their agents will only say that they are only a reporting agency. I am calling Equifax about my Equifax score and this is seemingly simple, but they are ridiculously secretive. Equifax needs to correct my credit score because a hard inquiry should not result in a XXXX point decrease to my score. This was the only change on my credit report and the Equifax scoring mechanism is obviously flawed. 

As of today, my credit scores are the following : Equifax XXXX ( checked via my.equifax.com ) XXXX XXXX XXXX XXXX Lenders should not use Equifax due to their unfair practices. Thank you.
Consumer complaint received 2020-11-16
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. (NJ)

I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ XX/XX/XXXXis only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXXsurvive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Experian to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Experian. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Experian that XXXX accounts can not be disputed though Experian and is not Experian 's policy to investigate fraud on a report. 

I told the representative at Experian i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
Consumer complaint received 2020-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

This is my 3rd dispute letter on this same issue. This is a response to complaint number :XXXX-XXXX and compliant numberXXXX-XXXX. I sent a dispute letter to Experian a letter on XX/XX/2020. I have not gotten a response from them yet. It has been over 30 days.According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed i have uploaded a copy of my, my full name l Social Security number Date of birth copy of drivers license. bill
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX the above company name showed up on my credit report. I don not Have any Account with such company.
Consumer complaint received 2017-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My credit report and credit score has suffered adversely because of the XXXX Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXX was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS XXXX DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by XXXX  RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against XXXX!!!
Consumer complaint received 2021-10-14
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. (TX)

I have been disputing for several months with XXXX & TransUnion items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX  {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.