davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #. 
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.
Consumer complaint received 2024-10-28
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 not liable for this debt with XXXX XXXXXXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. This is not my account -XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MN)

I started an application to refinance my mortgage with AmeriSave Mortgage about mid XX/XX/2023. My husband and I wanted to put an addition on our house. I was not able to come to an agreement with the builder we were working with so we did not move forward. I contacted my loan officer to close that application but I continue to receive multiple txt messages and emails regarding additional information needed to close my loan. I started responding nicely that I'm not moving forward with the loan and my file should be closed but I continued to receive txt and emails. At one point I responded that I would report them for harassment if they didn't stop contacting me. I still get txt message and emails every couple of days. I'm not sure if its actually coming from a person or if these are just being auto generated. My loan officer assured me my file was closed but the message just will not stop.
Consumer complaint received 2022-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goldcar Lending Inc. (AL)

spoke with XXXX at GoldCar Lending on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt.
Consumer complaint received 2022-06-21
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. (LA)

In accordance with the Fair Credit Reporting Act- XXXX XXXX Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX, I had a Capital One Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to Capital One. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, XXXX XXXX XXXX reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, XXXX XXXX XXXX was granted a Default Judgement against me in the XXXX XXXX, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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. (TX)

I XXXX XXXX XXXX contacted XXXX, EXPERIAN, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX XXXXXXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

EXPERIAN IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Consumer complaint received 2024-10-28
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. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine and Weiner who supposedly is representing XXXX is stating that I owe them {$270.00}. 

I do not owe XXXX or Caine and Weiner {$270.00}. 

Caine and Weiner has failed to produce the date and account number associated with this bill. 

I have disputed this bill 4 times in writing and online. 

A letter was sent to Caine and Weiner about a year ago asking them to cease and desist, but they continue to hurt my score. Now there is something new on my account for XX/XX/XXXX. 

Dates I disputed this bill by letter and/or online : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While applying for a credit card on Saturday, XX/XX/XXXX, I asked how to build my credit. I was told that the dispute was on my credit and it was also affecting my score. How do I rectify this?
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX - XXXX Balance {$14000.00} DEPT OF ED/XXXX - XXXX Balance {$3200.00} DEPT OF ED/XXXX - XXXX Balance {$6000.00} DEPT OF ED/XXXX - XXXX Balance {$3800.00} DEPT OF ED/XXXX - XXXX Balance {$1900.00} DEPT OF ED/XXXX - XXXX Balance {$4000.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked this XXXX  to see inaccurate accounts on my credit report, with no idea how they got there. I routinely check my report, and out of nowhere, I found errors that werent there before. I thought maybe it was a glitch, so I refreshed my browser, but the incorrect accounts were still there. I'm genuinely asking for the documents I've sent to be thoroughly reviewed to prevent me from going through this worry again.
Consumer complaint received 2022-08-08
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. (FL)

I XXXX XXXX, a consumer and natural person have been reviewing my credit reports for accuracy. I called the number ( XXXX ) XXXX provided on my Experian credit report that I pulled on XX/XX/2022 to request debt validation on the account listed as US dept of ED/XXXX with a balance of {$1700.00}. I was immediately directed to an automated line stating they are very excited to offer me a special promotion and asked if anyone in my household is 50 years or older for a great offer on car insurance. No company name was provided and there was only an automated line, and I have recorded that call for record. Ive filed an FTC complaint because Ive previously been victim to identify theft and fraud and I have not consented to my personal credit information being shared with this third party. The address listed on my credit report associated with the account is a po box which gives me no reassurance to the validity of this alleged debt. I refuse to mail to this address in fear of my sensitive personal credit information being compromised. Pursuant to 15 U.S. Code 1681 Experian failed to exercise their grave responsibilities with fairness, impartiality, and a respect for I, the consumers, right to privacy. I did not authorize or consent to my information being sold to a promotional car insurance company. I did not enter into a consumer credit transaction with a promotional car insurance company and this inaccurate account being reported on my credit has negatively impacted my credit worthiness and my reputation as a consumer. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This inaccurate reporting by Experian has led to a severe increase in my debt to income ratio and thus negatively impacting my credit score and my ability to obtain credit. Experian also lists my name as " XXXX XXXX '' which is inaccurate and I have never identified as XXXX XXXX. There are several incorrect addresses that are not associated and have not been associated with me including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX.
Consumer complaint received 2021-09-23
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX contacted Equifax, XXXX, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! EQUIFAX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT EQUIFAX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE EQUIFAX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX  XXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX EQUIFAX XXXX XXXX XXXX XXXX  FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Consumer complaint received 2019-09-30
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. (DE)

I have been trying to work with Equifax for over 6 months now. I have a number of issues with this company and they refuse to fix it. The first issue started back in XXXX when they put an inquiry on my credit file that did not belong with me. This trend continued with two more inquiries that did not belong to me. The companies that supposedly submitted the inquiry has no record of ever requested my report nor do they have accounts in my name. These companies are XXXX XXXX XXXX, XXXX, and XXXX. The next issue is there is an address that I have never lived at in my life on my credit report. The address is " XXXX XXXX XXXX XXXX, TN XXXX ''. I have never even stepped for in Tennessee. I have made at least 4 different requests to have this address removed from my credit file. Equifax reports back that it was deleted but it never gets deleted from my file. I have even sent a letter requesting to have this removed from my credit report which they respond to by saying they deleted the address but it remains on my credit report. And finally, they have added a unrequested fraud alert to my Equifax and XXXX credit report. I also requested this ( via mail along with their requested identification plus some ) to be removed but again, they refuse to do so. I am at wits end with this company. They refuse to assistant me.
Consumer complaint received 2022-08-08
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: CITIBANK, N.A. (FL)

CBNA/THD continues to report a negative credit card account despite a pandemic related forbearance. Account has been open for over 5 years and was in forbearance at the start of the COVID-19 pandemic. Despite said forbearance, account has been reported to the credit reporting agencies as late for the months of XXXX and XXXX, XX/XX/XXXX. Several disputes to Citibank and Home Depot have been ignored.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (SC)

I'm not sure where to start, but since XX/XX/XXXX I have had XXXX and XXXX XXXX from XXXX XXXX at 21st Mortgage harrassing me. I currently have a mortgage through 21st mortgage and the customer service is terrible, everytime I talk with someone there to discuss my issues all they do is yell, belittle and talk over me. I have tried to contact the top management several times but keep getting the run around. This company is very harassing and something needsto be done. They threaten and tell me there is no grace period on my account and if it's due on the XXXX then it's already late on the XXXX, saying they can foreclose on the account. I'm trying to get a loan with my bank but in the mean time, the harassment at this company need to stop. On XX/XX/XXXX I had a call from XXXX and we discussed my payment plan, she told me to hang on while she document the account and she comes back to the phone with XXXX XXXX on the line. He starts yelling asking me what did I do with my pay from my paycheck and why can't I pay my bills on time. He even went as far as telling me that he knows what day I get paid and what time I get off. I tried explaining to him that his information was I incorrect and all he did was yell over me and over talked me. Yes my account for XXXX is due and I already told the company, XXXX to be exact that I had applied to the XXXX XXXXXXXX XXXX XXXX for help. XXXX however doesn't listen and belittles people. At this point my XXXX payment was due XX/XX/XXXX and I told him if the rescue program didn't respond that I would make a payment the following week. He proceeds to still yell and ask what did I do with my paycheck from the last week. XXXX has no right questioning me on where my money goes, his only job is to ask when I can make a payment and document it. XXXX says that I will have to pay both XXXX and XXXX which was just due XX/XX/XXXX. I told him I'll take care of XXXX but XXXX payment just became due and to give me time. He stated that I will take care of both months or he threaten to hang up and send paperwork to foreclose on my house so I would lose it. He think everyone is an XXXX and he need to be fired. He can't go around harassing people, he doesn't own 21st Mortgage. At this point I have been harassed and I feel like the stress XXXX has put on me has caused many issues with my health. I called on XX/XX/XXXX evening and spoke to XXXX, asking him to transfer me to a XXXX over XXXX. I was given the run around and basically was told " she was gone ''. So i asked by gone what do you mean? Is she gone for the day or for good. He sat quiety for few seconds then said that he worked along side XXXX and was there anything he could do. I told him again no i wanted to speak with XXXX mamager and then XXXX said she's gone for the day. So i asked him to place a note and have the manager return my call.There is no way that the state laws allow people to be threaten and harassed like I am. I plan to contact the Attorney General office for further advisement.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit Reporting act. the list of accounts below has violated my federally prortected consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. account name XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX  has violated my right to privacy. 15 usc 1681 section 602 A. states i have the right to privacy. 15usc.C 1681 secction 604 A section 2 ; it also states a consummer reporting agency can not funnish 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 imformation any other adverse item of imformation, other than records of conviction 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 anformation relating to a consumer any consumer reporting agency if the person knows reasonable cause to believer that the information is inaccurate.