davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

On XX/XX/2021, I notice a new collection which dropped my credit scores 59 pts, It dropped my credit scores while in the middle of purchasing a home. L J ROSS ASSOCIATES, INC was contacted immediately via email. And after receiving a email from a XXXX XXXX a LJ ROSS ASSOCIATES she stated not to email LJ ROSS ASSOCIATES, INC anymore due to no such account is listed in my name with the account listed and to only reach them at telephone number listed XXXX. On XX/XX/XXXX, I spoke to a representative name XXXX who state she could not locate an account number listed with my name and social security number but insisted she could not remove it unless we send her company an email with the credit bureau listing it. I totally disagree with this first of all I have reside at my address for over 20 year and after researching the Original lender which is XXXX XXXX - I never heard of this company which is located in Wisconsin. PLEASE HELP i totally feel that I am being discriminated against and I will be completing a POLICE REPORT FOR THIS FRAUDULENT ACCT!! XXXX did not try to resolve this account after not locating no such acct with my address and social security number she refused to assist me any further and this is totally discrimination.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (AZ)

XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.
Consumer complaint received 2017-11-15
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. (NJ)

TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (LA)

On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY
Consumer complaint received 2017-11-15
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. (AR)

XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.
Consumer complaint received 2021-08-05
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. (OH)

I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of XX/XX/XXXXsec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For TransUnion, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For XXXX  : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my XXXX  file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. XXXX  has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. TransUnion is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, XXXX  had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this. 

Specifically For XXXX  I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXX XXXX XXXX XXXX XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (AZ)

On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I believe after much research this has to stop. Upon reading I feel so bad for these peoples families that have been financially crippled.. they are either hacking into the government system or they are paying people ( MOLES ) that work in these Banks to look people 's information up and supply them to Pressler and Pressler.  There is absolutely NO WAY, they could get your personal information. 
Judgements are being placed against consumers without them knowing, I would sware o the XXXX I do n't know what it is, they are levying, garnishing wages its terrible without any fair notice and its out of control. They are trying to garnish wages ... the funny thing is, when you try to get information from them about the debt, where it 's from ... they give you no information. They are and we will get it from you. its truly amazing this is where we stand together : 1st sign this Petition against them : XXXX XXXX XXXX 2nd file a complaint with the Attorney General 's Office, do a search for your state and file a complaint.
3rd file a complaint with the FTC : http : //www.ftc.govXXXX 4th file a complaint with the BBB : o information on
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

My parents died and so did my brother and I was left to pick up all the pieces on my own. I was unware I had to go through probate because of the way the attorney created the trust for my parents. I went through several different attempts to obtain a loan and it did not work. I did not know why no one would explain until finally a title representative told me its because of the working on the trust. I am the last trustee on that trust and am now going through probate.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (VA)

XXXX  XXXX continued to bill me for the residence I was in at The XXXXXXXX XXXX XXXXXXXX after I had canceled my service and moved from the location. I called many times to have XXXX  XXXX remove this charge yet they did not. Then, when I received the collection notice I disputed it with still no avail. Next thing I knew the collections company National Recovery Agency XXXX PA sent it to the credit Bureaus. I have a letter from The XXXX stating when I moved prior to the incurred utility charges in question. Despite all this I paid the collection agency so it would not be sent to the credit bureaus yet it was sent anyway. XXXX  XXXX never sent me a cancel confirmation when I canceled my services and never followed up with any cancellation notices in the multiple times I requested them to do so.
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (FL)

On Friday XX/XX/XXXX while I was at work I received a call from a very unexpected person. A women who identifies herself as XXXX XXXX called her and told her that she was looking for me in regards to a legal matter. See what Ms. XXXX did was she contacted a 3rd party relative from my fathers family in which I have no affiliation or relationship with due to personal/family matters. Later that day this person Ms.. XXXX shared my personal information with had told another family member everything this so called detective told her. XXXX told her she was a detective working on behalf of XXXX county looking for me in regards to very serious legal matters. When MsXXXX called me this morning XX/XX/XXXX at XXXX this morning she lied several times which raised my suspicion about her credibility and how she handled matters. She was not honest about the location of her office and she also lied about the terms of the settlement. She declined that she was a debt collector and she said that she is a firm representative for the company which she would not disclose the name for which she was representing. When I asked for documentation such as a validation notice she Failed to make that accessible to me
Consumer complaint received 2021-06-26
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. (CA)

XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.
Consumer complaint received 2022-09-09
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 2023-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I reached out to PHH mortgage services in XX/XX/2022 to get validation for the alleged amount stated on a statement sent to my homestead property. As stated under the FCRA I have the right to request this information and receive a full disclosure. I am exempt from forced sale or XXXX. PHH Mortgage Services has sent me an unjust default as well as a threat to foreclosure on my homestead property. PHH Mortgage Services has not validated or verified any information requested within the RESPA time frame. This is very unjust and wrongful PHH Mortgage Services has furnished fraudulent claims against my consumer reports. XXXX Mortgage XXXX has not responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. How could they ignore my request and place my account in default and force me to foreclose. As a protected consumer fraudulent practices are a violation under state and federal laws.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (FL)

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (UT)

A few weeks ago I received a summons from Outsource Receivables Management, a company I 've never head of. I tried contacting them but they never returned any of my calls. After doing some research I found they were trying to collect for XXXX XXXX Clinic. I contacted them directly and made a verbal agreement to make payments directly to them ( which I have been doing ) On XXXX XXXX, 2017 I received a notice of judgment for $ 1600+ from Outsource Receivables Management. My biggest complaint is that I never received any notice of collections from this company. This is not a legal practice. And I have made arrangements from with the original debtor and have paid half of the original balance of {$960.00} down to {$480.00}
Consumer complaint received 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been reaching out to Tran union credit reporting to dispute some information that is on my report inquiries that I did not give permission to be done they refused to remove them I put a freeze on my report information on there I didnt do I was able to talk to the fraud department they told me to send my license and a letter to them never heard anything back now I am not able to dispute online or by calling here or the dates on the inquiry