davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (VA)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have attempted to dispute this debt with the creditor for the past few years. Portfolio Recovery continues to insist I owe a debt from XXXX XXXX  which I do not. I have several accounts with XXXX XXXX  and all of them have been paid in full. When previously asked for documentation from XXXX XXXX  confirming this debt is mine a few years ago I never received any documentation from Portfolio Recovery confirming an outstanding balance on any account with XXXX. Also when I reached out to the original creditor I was informed that I do not have any balances due on any of my current account with them.
Consumer complaint received 2024-01-25
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

I called Equifax to investigate a score discrepancy, which was the recommendation of my credit union. The representative from Equifax sold me on their " Premiere paid service '', which would give me my accurate credit score. I paid for the service and monitored my score daily, paying off more than 70 % of my revolving debt. After 30 days, my Equifax score increased to XXXX, which was more than enough to qualify for a loan. The same day my credit union pulled my report, they showed an Equifax score of only XXXX, which did n't meet the minimum score of XXXX. After talking with the credit union, they recommended contacting Equifax to discuss why there was such a drastic difference in score from the same company. They sent me copies of the report pulled and the score of XXXX, which i then contacted and sent the report to Equifax. It took 6 calls, over an hour of holding and multiple emails, just to get a supervisor and his response was " the score you see on our site, which you pay for is n't what the bank will see ''. I asked him why that was n't disclosed to me before I paid for the service and his response was sorry I ca n't help you. I feel deceived, as I was sold a service that is showing a fictitious score which is completely irrelevant to a lending institution. A credit score should match across multiple sources of the same information, whether it be XXXX XXXX, Equifax, XXXX or XXXX.
Consumer complaint received 2020-10-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX / XX/XX/XXXX, I engaged legal representation to help cancel a time share contract. We followed the advise of counsel and advised all 3 credit reporting agencies of the situation. We settled the issue with XXXX XXXX XXXX XXXX in XX/XX/XXXX and per Experian Credit report " credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage '' and the status date XX/XX/XXXX, loan amount {$10000.00}, Past Due amount {$0.00} and late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Experian currently shows that this account has 36 late payments which is false reporting. This is grossly negligent on the part of Experian. I filed my first dispute with Experian at the end of XXXX with little to no information provided regarding their investigation. No names, phone numbers, or addresses of the furnisher was provided. I contacted XXXX XXXX and they advised they had closed the account, the matter was resolved and was no longer reporting this account to the credit reporting agency. I have tried to file disputes online and their website state they are not required to conduct additional investigations.
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (TX)

I received a non reply email from CFPB stating, " Thank you for your complaint XXXX about EQUIFAX ''. We 've sent your complaint to the company for their response. Here is the problem the Credit Reporting Company ( EQUIFAX ) place me under FRUAD ALERT without any request or authorization from me then send out inquiries for information. After a company provides incorrect information the Credit Reporting Agencies treat the information as genuine without making any examination or comparison with the information that 's already on file that was previously reported. If this was being performed they could see and understand why the Consumer filed a Complaint/Dispute when the facts from the information do n't add up. The Consumers explanation and documents of proof receive little to no consideration against what they receive from the erroneous investigation. When a company reports something one way over a long period of time and then there is a change and negative reporting starts there is another side to what the company is claiming and offering as genuine. EQUIFAX is just going thru the process without providing the consumer the benefit of determining the true facts that would assist the Consumer in having a valid Credit History Report.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

Hello, The Coinbase application was used to purchase digital currency. The order was executed and my credit card was charged but in my digital wallet and the reflection of the account within the app does not show the digital currency available. I reached out to Coinbase and did not receive a response with regards to my inquiry. At that time I felt the need to get help from the CFPB.
Consumer complaint received 2022-04-06
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. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. ()

Obtained two credit reports - Conf # XXXX and XXXX : page 6 shows previous addresses. The two reports clearly show my previous addresses have been updated twice in two months. I live in XXXX and have no access to the Equifax web site except to change my password. The system rejects my foreign IP number and tells me to call the 800 number. Since my previous address are being updated, someone else is trying to access my file by answering previous address questions for verification on line. It CAN NOT be me because of my foreign IP number being rejected by Equifax. 

To make matters worse, Equifax has failed to give me the furnisher 's name and address as required by federal law as to who is giving Equifax my long list of previous addresses all of which are over ten years old. They have been too busy hanging up on my phone calls ( 5 times in the last two days ) and all I have asked is who is giving Equifax these updates. It is NOT my creditors! 
If someone is giving Equifax false information or trying to breach my account, Equifax should tell me and law enforcement. Equifax has refused both. I want this problem FIXED. I suspect more updates will come in via internet and attempted breaches of my credit file and fales updates will continue. 

When someone tries to obtain a credit report, location and IP number are recorded. if Equifax is doing the update by its self i should be told the source of this information. 
Law enforcement should be immediately contacted for this security violation. Unfortunately, Equifax has refused to cooperate with me or contact internal security or law enforcement. 

Equifax has told me that old addresses will be cleared out, conf. # XXXX, but will not reveal the source of their updates every month and refused me and hung up on me when I ask who in law enforcement could help me. The last person to hang-up on me was XXXX, ( XXXX ). 

I need Equifax 's help and they have totally refused me and hang-up quite quickly on me.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (GA)

XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MNE Services, Inc (IL)

I received a loan from amriloan online for XXXX and the payments where so high i could not make them so they garnished my wages. I have payed almost XXXX from my paycheck garnishment and they say i still owe XXXX plus interest my work said hands are tied. I have lost everything. Its a scam company. THEY WONT SEND ME A COPY of any payments so i get the information from my job. I only make XXXX a week. 
http : //www.ameriloan.net/ameriloan
Consumer complaint received 2017-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I believe I 'm being over charged for my loans and I 've paid directly to the University without using the loan. I was told I paid off my debt from the school. But the loan service Navient says I owe them money. I want to reduce my billing or become debt free because I think I 'm being overchanged for services I did NOT use.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.
Consumer complaint received 2018-09-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.
Consumer complaint received 2020-05-22
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. (KY)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX  XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX AR XXXX {$530.00} XXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX  XXXX {$250.00} XXXX  XXXX {$550.00} XXXX BANKS XXXX {$2600.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to Exeter Finance on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Exeter Finance is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of 1974. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-11-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

I am receiving repeated phone calls from a company that comes up on my caller ID as Transworld Inc. The representative advised me that I have a medical bill from XXXX XXXX. I said that was impossible. She asked me to verify my address and I did, and it was NOT my address that she had on file. She gave me just the street name that she had on file and it was my ex-husband 's old address. I couldn't verify it because I couldn't remember the address because I haven't lived there in years. I explained to her that while I stayed at that address I did not go to a XXXX XXXX. She asked me to verify my social and DOB and I did not feel comfortable giving that. The next day, I received another call from the same number ( XXXX ). I explained that this debt was not mine and asked them to discontinue calling me. I blocked the number and they have been calling 2-4 times a day from different numbers. When I block those numbers they began to call on different numbers. These calls are now daily and throughout the day. This company has threatened to send it to credit agencies because I will not settle this bill with them. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-04-26
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: AMERICAN EXPRESS COMPANY (NJ)

I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE AMERICAN EXPRESS {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO