davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc. (PA)

I received a phone call today while at work from a number that I had not saved in my phone. Upon answering the call, I cheerfully said hello! as I thought the call might have been work-related. All I could hear on the other line was shuffling noises. Again, in more of a questioning tone, I asked, hello? Then to my surprise the very first thing this stranger had to say to me was, youre just gon na pick up the phone and not say anything, ___? ( My first name ). I must emphasize how aggressively RUDE and informal of a tone that was said in. The negative use of my first name felt quite personal. I had no idea who I was speaking to and was afraid I was being harassed or stalked by the way that called opened up and the abrasive tone used. No longer cheerful, I asked who is this? And then she proceeded to say something along the lines of this is XXXX with AR Resources Incorporate Im just gon na have to ask you a few security questions And I hung up on her. I felt disrespected. And by someone who expects to be collecting my money? Bullying me is not very effective. Especially when I DID greet her on the phone! I said hello not once but TWICE and then was so rudely snapped at for what felt like no reason at all. It felt very personal, as if her salary was directly dependent on whether or not I paid my debt. I called the company directly to first confirm what it was I needed to be paying for ( I owe about {$1000.00} to my school for the the fall 2021 semester ) and I found out that I could make payments in part which I was not aware of. I made a {$25.00} one time payment and do plan to continue making payments so that I no longer owe anything, but no part of me feels any inclination to be making those payments with this specific person.
Consumer complaint received 2016-08-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (TX)

My father has defaulted on an auto loan with this creditor. The creditor is having a hard time finding their vehicle in order to reposes it. The creditor has sent a repossession agent to my house, my work, and has called my wife and I several times. I have explained to the creditor that I have no contact with my father nor do I have anything to do with their debt.. I have asked the creditor repeatedly to leave me alone and quit harassing me and they still wont quit.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, XXXX CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-07-19
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. (AZ)

I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately
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. (MI)

I sent the 3 credit reporting agencies ( XXXX, XXXX  Transunion ) 4 letters disputing the items below on my credit report. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must  remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX Transunion and XXXX  has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Consumer complaint received 2023-03-29
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. (OH)

I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.
Consumer complaint received 2022-07-19
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: TRANSWORLD SYSTEMS INC (GA)

Fraudulent account on my credit report. 

Account Information : XXXX XXXX XXXX Opened : XX/XX/2022 Amount : {$660.00} Account No : XXXX XXXX Collection Agency Information : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Police Report : XXXX XXXX Sheriff 's Department XXXX, GA Repot # : XXXX
Consumer complaint received 2019-03-08
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. (VA)

On XX/XX/2018 I disputed four enormous accounts on my credit file that I have listed below, on XX/XX/2018 I received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my rights according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also asked that they respond within fifteen days. I sent my letter through certified mail and it Was well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

The four accounts in question are listed here. 
XXXX  XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX.
Consumer complaint received 2017-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I missed two payments Sent them in to get caught up, received a letter stating that the loan company -Chase bank, informed via a letter that they had miscalculated my loan and that I needed to pay {$3600.00} I called the contact and was told that they found this error and that I needed to pay XXXX I informed them that I had been garnished for the previous 11 months paying {$930.00} for 10 months. They did n't care and suggested I make two paymnents of {$1800.00}, I advised them that if I could n't paid XXXX I would n't be able to pay XXXX either. I asked if I could add it to the loan they said no. Previously I had been on a loan modification, and except for those two missed payments I had been consistent. A month later I received a letter from a law firm stating that they were representing chase in recouping the XXXX. I then applied for keep your home California -they stated I made too much money for assistance, I responded with I did n't want them to make my payments to see if there was some sort of debt forgiveness. My loan has now been referred to a debt collection XXXX is their name. The original amount has now ballooned to XXXX. I do n't understand how a nationwide leader in the banking industry can shake people down when THE BANK made the mistake. My understanding is that chase is currently involved in numerous case courts due to these unwholesome and greedy actions that Chase had taken. Any help, direction or sources would be deeply appreciated. Regards, XXXX XXXX
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have the following problems that need to be investigated, unauthorized inquiries, and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything
Consumer complaint received 2022-01-19
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XX/XX/XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (GA)

My account was closed for no real reason. I reached out to the company and they completely ignored me. I then filed a complaint with the XXXX and yet again they lie and gave false information. Nobody has said anything to me, I still have not received the money that was in the account and no one has reached out to me about anything.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (IL)

I have an acct with Equifax XXXX from the Illinois XXXX. I strongly disagree with the validity of this account. It is not showing on my XXXX or XXXX report.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for Midland Credit to provide me with a physical copy of my contract with them and the original creditor XXXX XXXX, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and Midland Credit has not submitted any evidence of the account belonging to me This is the second account that Midland credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.
Consumer complaint received 2022-01-19
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. (OH)

I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (VA)

Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.
Consumer complaint received 2024-01-23
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. (CT)

I have contacted all parties ( credit card and credit bureaus ) multiple times that these accounts are not mine. The XXXX accounts don't even have my correct address attached to them. 

XXXX XXXX XXXX has had a similar issue reported to the Supreme court in a lawsuit lawsuit against XXXX defendant banking and debt-collection institutions on XX/XX/, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally 1st Am. Compl., ECF No. 35. XXXX XXXX XXXX XXXX. 

I too am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Consumer complaint received 2022-07-19
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. (FL)

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Transunion has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I submitted disputes and Transunion stated the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. These inaccurate accounts are causing XXXX XXXX  to my life, because Transunion keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Transunion is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Transunion is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately