davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Alliance Recovery Group (OH)

I received the following message This message is intended for XXXX in regards to a complaint in the process of being filed I'm calling to verify that we have the correct address for the individual well the next step will be filing the necessary paperwork at this time you do have the right to contact the information center should to wish to exercise that right that number is XXXX you will need to reference to file number XXXX I contacted the company, Alliance Recovery and was told that charges were being filed because I failed to repay a payday loan in 2019. That is all the information they would provide. They have my name last 4 digits of my social, address and phone number. They also had routing and account numbers for an account that is closed. They hung up on me three times as I tried to have them provide additional information. He said his name was XXXX XXXX and that someone would be at my house in three days to serve me with papers, alluding to arrest and official charges being filed. He would not provide the name of the payday loan company, a copy of any contract I signed or any information about his company.
Consumer complaint received 2021-09-02
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: Credit Karma (CA)

I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IA)

I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, XXXX XXXX reported to XXXX Experian and XXXX information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Consumer complaint received 2021-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Ace cash has use lawyers to contact me and family members i put on my app about this payday that I was not able to repay and have spoke me on the phone about being taking to court and just today XX/XX/21 they use a law firm and others to contact me and a film to call my family so my question, if I can't pay this can they keep calling and calling family members on a payday loan, that not even banks does that to people so why are they allow to do this please let me know what my best way to handle this since im not able to pay ... and if I feel threaten by this what should I do and who do you contact to really make a difference with what is being done ...
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

I was notified by a credit alert system that Progressive Management Systems had reported on my credit report, a collection account that does not belong to me. They ilegally reported this collection under my name and social security on the understanding that this account belongs to my daughter, and adult XXXX yrs old, living on another city. The Progressive Manager XXXX XXXX was caustic and agressive. I told him that was in the middle of a financial transaction that was being jeopardized. They blatantly and flagrantly damaged my credit unjustified, and ilegally. This account was reported and damaged my perfect credit and reputation thus damaging my reputation, morale and financial credibility.
Consumer complaint received 2022-08-06
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)

On XXXX XXXX I sent off letters to all three credit bureaus to investigate. All of them came back as accurate I know they didnt investigate because my credit report still shows different showings on each of them
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on credit karma and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called Equifax and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXXXXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Credit Bureaus ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (VA)

On XX/XX/2020 I requested that Equifax verify an alleged bankruptcy and they responded on XX/XX/2020 that it was verified through XXXX XXXX. However, my XXXX XXXX file is frozen, so that was inaccurate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX, I wrote to TransUnion requesting an investigation into items that I believed were inaccurate. 

Now as date of XXXX, TransUnion failed to provide any investigation result
Consumer complaint received 2021-11-28
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. (TX)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport as proof of my identity, and a utility bill as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.