davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times. 

I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be. 

PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything. 

I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good. 

I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (IL)

This is not a duplicate complaint this new complaint regarding new issue. I'm sending this dispute for a hard inquiry that I have never authorized. After carefully researching my report I realized that this inquiry was made by someone else. I never authorized it. I truly believe it's a result of fraud. I have been a victim of Identity theft. I have also filed FTC report for this inquiry and the report number XXXX and name of that fraud inquiry is XXXX XXXX XXXX XXXX  XX/XX/2022. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
The reason that this inquiry is being disputed is because it was not made by me, and when I report this to you, it is your responsibility to investigate my claims, it must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Thank you for your help.
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (AZ)

The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I had amount withdrawn from account and no services were recieved. I contacted both XXXX and PNC and both were unable to assist. PNC claims it's XXXX and XXXX states I have to contact the merchant and is unable to assist.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEBT REC SOL Account Number : XXXX Please remove it from my credit report. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-14
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. (CA)

I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I had signed up with XXXX XXXX credit repair services on XX/XX/2018. I had given them from XX/XX/2018 until XXXX and to see if they had done anything for me. They had stated false claims on each and every telephone call. I had felt that I was being strung along just for them to keep collecting money from me for services not preformed. I do believe that giving them a total of four months was more than a fair amount of time. I had called to cancel and I was hung up on a total of three times. The fourth phone call I was finally able to talk with a person that had said they would send me an email conformation stating that I had cancelled my services on XX/XX/2018. I have not received this email as of yet. They had immediately charged my credit card as I was on the phone with them. I was using the home telephone and my mobile phone showed an alert from my bank that my credit card was charged {$72.00} dollars. I was paying {$89.00} per month for their services that were not rendered. So I am assuming that this {$72.00} was a prorated charge. The person I had spoken to on the phone attempted to entice me to move up to their higher level of service. That being {$100.00} and XXXX even though I had explained to them that I was cancelling service due to a financial hardship. They then had went onto stating that I could then receive the same level of service for a much lower cost. They told me that I could have the {$89.00} service level for {$24.00} per month with all the same exact features and level of service would remain the same. I felt robbed
Consumer complaint received 2023-06-06
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. (IL)

Dear, XXXX XXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. Account-XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave either Experian OR XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b XXXX XXXX XXXX XXXX have XXXX XXXX XXXX and anxiety due to the abusive and unfair practices. Both ExperianXXXX XXXX XXXX XXXX should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair credit Reporting act XXXX account # XXXX and # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Convergent Resources, Inc. (NY)

This was a lease I Had back in XXXX XXXX. It was a XXXX XXXX XXXX XXXX, which was repossessed and taken from me involuntarily. I was behind in payments but I was still making payments. I never gave them permission to take my car nor did I ask them to take it because I was having difficulty making the payments at the time. So, one day I'm at XXXX District Family court, XXXX XXXX for a hearing I was scheduled for. The car was suddenly gone from the parking spot I had left it at. I thought it was stolen so I called the police, they quickly told me it might've been repossessed if it wasn't stolen from the Courts parking lot. 

When I make tons of phone calls to see where it might've been. It was at a repo Lot in XXXX XXXX NY, which I wasn't even allowed to get my personal belongings. I tried getting my car back and they said I needed a {$27000.00} loan to get it back. so I had no choice but to leave it there because I couldn't get approved by any bank because of the recent repo. 

Four years later, today. I see this {$11000.00} Derogatory report on my credit history. stating I need to pay this amount from the repo 'd vehicle. I can't even get a car loan because this has been haunting me for years on my credit report. Ive been driving a XXXX XXXX XXXX with tons and tons of hazards issues. 

XXXX XXXX I the company that has this on my credit report. 
Convergent Outsourcing is the one that has me in collections
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank/BestBuy has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

XXXX5. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.
Consumer complaint received 2021-10-31
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. (DC)

I am that I am, a citizen of heaven, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact. I am a federally protected consumer pursuant to 15 USC 1681. I did not give permissible purpose to furnish this fraud on my consumer report file. These violations results in {$1000.00} for each to be paid to the consumer.Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

on  XXXX /26/2017 - I went to make a purchase on  XXXX  as I did in the past, never had any issue, the sale did n't go true? I tried a few times, till I called the the number on my CC, to find out, that they dropped my credit from   XXXX   - to  XXXX ??? and why???? they say that they received negative information? I told them twice while I was on the PHONE with them that I never had ANY late or ANY missed payments with ANY of my creditors?. they were very specific that it is  XXXX  ... While I was on the phone with customer SERV I also called up   XXXX   ... and they heard that it is a Fabricated LIE, the CC company told me to ask them about an electronic report sent on the  XX/XX/XXXX ??? which  XXXX  replied and the CC COMP. listen to this phone call entirely, that NOTHING was and NOTHING is wrong with any of my Credit Accounts, and NO missed or late payments on any of the  XXXX  CR/BU reports ... .. This SYNCHRONY BANK, sent me a letter which they outline the reasons of the credit decrease which NONE are true. 4 REASONS, NONE ARE TRUE. I will gladly send you a copy of all when and if requested. NOW my question, a COMP. yes could decrease a credit line.. but if the give a reason does n't have to be the TRUTH?. why LIE about it, plus ruin my credit, from here on. HELP! Thank You.
Consumer complaint received 2021-10-31
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: EQUIFAX, INC. (GA)

XXXX, equifax and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Consumer complaint received 2020-07-14
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I would like to link my checking account with XXXX, an on line crypto currency exchange. They have informed me that PNC no longer allows this type of a relationship with a third party. Crypto currency is gaining popularity and I want to be able to access my funds on deposit in order to purchase Bitcoin and other crypto currency directly.
Consumer complaint received 2018-12-04
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. (IL)

I have contacted Transunion on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.