davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (TX)

Upon reviewing my credit report i noticed that there were collection accounts on my report that are not mines, I reached out to this collection agency and informed them that these accounts were not mines, and they refused to hear me. So then I reached out again and asked them to send me validation with something bearing my signature and instead they sent me a copy of the original creditors past due bill in my name. So I then asked them again to send something with my signature and they ignored that. It has been over 45 days and they are continuing to deny my FRCA right to obtain proof that said account is mine that bears my signature. so before i pursue a small claims case I am urging the cfpb to aide in me rectifying this egregious error that is harming my financial growth and financial health.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I sent a letter to remove all the outdated mailing address off my personal credit exempt the address on my driver 's license I do not live at the other address my personal information is being sent to other people houses my information can be stolen they did not update my address and delete old ones they did not sent me a letter within 30 days
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received letter today with case number from Bank of America came with out contact number. Bank of America canceled the sale XX/XX/2023 said they had opened fraud case of the forged FHA mortgage they are using to take our house. Instead this reappeared on the foreclosure county callender. 
Tried calling their XXXX attorney he doesn't answer phone. So I am attaching the settlement agreement I offered them.
Consumer complaint received 2022-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that Bank of America with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I contact the company via mail on the following dates XXXX, XX/XX/XXXX to let them know that debt of {$1600.00} is not my debt, due to identity theft and to provide proof that I sign and/or agreed to the debt. 

The Midland Credit Management continuously sent letters harassing me about paying the debt of {$1600.00}. Dates I received letters are XX/XX/XXXX XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I opened a card with XXXX XXXX On XX/XX/XXXX I canceled XXXX  membership via email On XX/XX/XXXX I was issued a refund for {$45.00} OnXXXX cancelled membership again On XX/XX/XXXX I was informed about a balance due of {$230.00} On XX/XX/XXXX I was informed I owed the amount under a new account number but was never sent a new card. 

On XX/XX/XXXX I was informed I owed {$270.00} and that the account was closed and the online account disabled On XX/XX/XXXX I received a note was evaluated and the account was 3 payments behind. 

On XX/XX/XXXX paid account infill {$510.00} I am still unable to find out what charges were incurred and contacted XXXX and chase but was not provided information.
Consumer complaint received 2022-09-27
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)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-09-19
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. (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished five accounts on my report.

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ).

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Equifax has medical information that has been sent to a third party vender XXXX XXXX XXXX thats has been listed on my credit report since XXXX When I try to dispute it Equifax will drop my credit report almost XXXX points instead of trying to fix the problem!
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (MA)

Dear XXXX XXXX ; Experian ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (OH)

The advertisement Ive included below is potentially false, misleading, and deceptive. The advertisement appears to suggest that, simply by enrolling in the program a consumer could receive relief of up to the amount advertised. based upon my experience. This is an unlikely outcome, and is likely to deceive the least sophisticated consumer. Although I attempted to locate information about the company so that I could complain directly to them I was unable to, and as a result, I am submitting this complaint. although I am unable to confirm it, I suspect the company is affiliated with or is in fact Freedom Debt Relief based upon on the advertisement. although the publication appears to be reasonable advice to most consumers, it appears that it was created only as a front for this XXXX advertising.
Consumer complaint received 2022-09-28
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. (TN)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX I am including it again.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 Equifax 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 Equifax Mortgage Ser 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 Equifax Mortgage Service XXXX
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-29
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (TX)

I contacted Educational Credit Corporation to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact XXXX XXXX as my loan had been transferred to that company. 
On my first contact with XXXX XXXX, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, ECMC, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.