davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (SC)

On XX/XX/2020 I requested that Professional Debt Mediation provide me with competent evidence that I have any legal obligation to pay them. As of XX/XX/2020 I have yet to receive any documentation.
Consumer complaint received 2022-03-07
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. (IL)

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2017-09-08
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. (NJ)

XXXX mishandled an unknown amount of my personal information putting me at risk of identity theft. OnXX/XX/XXXX2017, I was listed as a potential victim on their XXXX.com website.
Consumer complaint received 2017-09-08
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. (OH)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (UT)

Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was stolen.
Consumer complaint received 2017-09-08
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. (IA)

Part of the 143 million Americans who 's data was breached during the Equifax hack. 

Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MT)

I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.Thank You.
Consumer complaint received 2021-06-23
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: TRUIST FINANCIAL CORPORATION (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2017-10-17
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. (CA)

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The XXXX XXXX reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Consumer complaint received 2017-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (OH)

Discover student loans is currently the administrator of a series of student loans that were originated between XX/XX/XXXX-XX/XX/XXXX by XXXX. Over the last 6 months they 've increased my interest rate a series of times. I reached out and requested an explanation as my believe was my original loans were fixed rate loans. I was informed that I was wrong. I requested my original promissory note and loan origination documents and they informed me that they did n't have that on file and they needed to request that from XXXX. That was almost two months ago and every time I request an update, I 'm told it takes time. My issue is that they 've increased my interest rate without proper explanation as to why, and they ca n't prove to me it 's even something they are allowed to do. How is it even remotely legal for a loan company to purchase a loan and not be required to keep all of the original documentation on file?
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2017-10-17
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: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXXXXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT INQUIRIES ( 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 2017-09-08
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. (ME)

On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. 
My information was part of this loss. 
Equifax did not take proper preventative measures to prevent the unauthorized release of my personal information.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc. (SC)

Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I am a XXXX XXXXXXXX that work for the state of New Jersey during the entire pandemic at a residential home for the Developmentally Delayed. I was forced to apply for forbearance during the COVID 19 crisis due to decrease in work hours from my part-time job. When I finally was able to start paying my mortgage due to increase in work hours, I sent a payment to my mortgage company 's loan servicer Specialized Loan Services on XX/XX/2021 and the amount was returned I was told they need the entire 6 months paid. I did not have the amount and requested to refinance. They told me that they were not a refinancing company and I had to find one on my own, which I did. However the process took a while but I was able to pay the entire amount owed in order to get the lower interest rate with the refinancing. 

I am XXXX years old, planning retirement and want to down size but I can not get a lender to pre-approve me as Specialized Loan servicing has recorded that period of arranging a new refinancing company to take the loan over as credit default, thus preventing me from getting a home that I can afford when I retire. 

Please help me to get the credit demerit deleted. I will highly appreciate that.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Equifax was made aware of a data breach involving my data, as verified by the information on the equifax breach site that was created ( equafaxsecurit2017.com ). I identified myself as a victim of the data breach. Equifax did not notify me directly of this, and did not provide me with any opportunities to opt-out of the storage and collection of my PII and PHI during the time in which they collected and stored my PII and PHI. I did not ever give consent for this information to be stored on any equifax storage medium, including but not limited to servers, SANs, RAID arrays, virtual storage containers, hardcopy files, etc., and now equifax has allowed a security breach to compromise my personal information due to their negligence and lack of security.
Consumer complaint received 2017-09-08
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. (PA)

Equifax Security Breach of 2017. Consumers were notified of this on X/X/2017 even though Equifax knew this information since XX/XX/XXXX. Unethical business practice.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Interstate Credit Control (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. Equifax did not notify anyone quickly enough and admit that they will not notify everyone.
Consumer complaint received 2017-08-25
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. (MO)

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Consumer complaint received 2024-01-20
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. (DE)

I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are 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 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  These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my report.
Consumer complaint received 2021-11-30
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)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an auto loan which was paid off and I received the pink slip but the company is now reporting my car as a charge off when it was paid in full. I have disputed this several times and I even contacted Capital One Auto Finance several times and they just keep sending a letter stating that everything is correct they wo n't allow me to talk to anyone in that department I am only allowed to speak with customer service. I requested a copy of my payment history which shows that everything was paid I have asked them to give me details as to why the account is considered a charge off when the payment was missed or not paid and they have not provided any of this
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank 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 2017-09-08
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. (AZ)

I was involved in the Equifax 2017 Data breach. I am appalled that so much data was released into the public. It is disgusting that the company delayed notifying the public about this issue so that it 's high ranking executives could sell their stock before it crashed from their mistake. How is this legal? They are also trying to get people to sign up for their " free '' credit monitoring service so that they can have people sign away their right to sue the company. Completely Disgusting.