davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (AL)

Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Fifth Third bank did not do an accurate accounting of my escrow account, property taxes, or homeowners insurance, so my escrow account is currently underfunded. 
I have a property tax bill due XX/XX/XXXX, that fifth third is supposed to pay. 
I contacted fifth third and asked how to apply an escrow only payment, as their online portal DOES NOT ALLOW THIS. 
I was told to put a note in the memo that it is an escrow payment. 
I said " Oh, I thought that was a memo for me, can you all see that? '' No response. 

Well, I've tried to contact them again but their chat customer service is not available. It's never available or on their website, despite claims otherwise. 

I decided to go ahead an make a payment of {$500.00} and put a note to " apply to ESCROW only! '' XXXX business days later these morons applied it to my principal. 

I have no way to contact them. I'm hard of hearing and can't speak on the phone. Their chat doesn't work. Their customer service e-mail link doesn't work. 

I don't understand how a company this large can have such a poorly designed payment portal that it can't accept escrow payments. 
I don't understand why it takes 3 days to apply something AS I REQUESTED since obviously a person is looking at these. 
I don't understand why they continue to employee such useless people who can't read or do their jobs. 
I don't understand how this bank, which is obviously trying to XXXX up my payments, is allowed to continue in business. 
I don't understand why they don't accommodate customers who can't use phones. 
When I'm done with them, they won't be in business anymore.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC (PA)

I found out this year ( 2021 ) that someone had gotten loans and credit cards in my name. I keep getting phone calls from debt companies about debt that's owed to them in my name. I contacted the company Best Egg and let them know I never ever applied for a loan with them in my name. I submitted my FTC report, my Police report and a letter telling them that the debt is not mine. They told me that they will not except my documents because the supplied the loan to me into a XXXX XXXX account that I do not have. I don't know what else I can do to prove that the debt is not mine. I went to the Law Enforment agency and the government fraud websites to prove my name and Best Egg is basically telling to go XXXX an egg unless I pay. The loan was aquired in XXXX for almost {$19000.00} dollar.s
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (CO)

I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to XXXX  experian and XXXX  please remove this account from my records. Thank you.
Consumer complaint received 2020-07-10
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. (AL)

Attention XXXX XXXX Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several  accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}
Consumer complaint received 2023-01-27
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXXXXXX
Consumer complaint received 2021-04-09
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: CITIBANK, N.A. (CA)

On XX/XX/2020 i wrote to XXXX XXXX and XXXX  and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/XXXX with account number XXXX and XXXX XXXX Macys  account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act XXXX XXXX Under sections 605B. The law states that they were suppose to block the fraudulent accounts in XXXX business day. They told me that they had forward my complaint to Macys  and Best buy but nothing was ever done.
Consumer complaint received 2022-07-16
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. (MO)

I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2021-09-15
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

My name is XXXX XXXX. It has been brought to my attention that XXXX I reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. XXXX XXXX XXXX {$430.00} 3. Fair Collections & O
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXX. XXXX, XXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc (CA)

I paid {$6.00} for online product ( XXXX ). The company started charging my credit card for services I did not authorize. I called my bank and shut down the credit card. I tried to call/ cancel the promotion however the company does not have a contact link. I received papers from a debt collector saying I owe {$110.00}. When I contacted the debt collector they day I owe {$230.00}.
Consumer complaint received 2022-07-14
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. (PA)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX CAPITAL ONE BANK USA N A  Account Number : XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a Business Checking account with Bank of America in XX/XX/2020. 5 days later, my account was closed without explanation. There is no one available to speak to at the branch regarding this matter, I have been given a toll free number for the fraud department for BofA that when called is a non-working number, I have no recourse to dispute the action and my business and personal identification numbers have been labeled " fraud '' and I have been shunned by other institutions and forwarded to XXXX XXXX XXXX The bank is saying they got the " fraud '' designator from XXXX XXXX says the information they report comes directly from the financial institution which has caused myself and my business undue harm. 

I owe no sum of money to Bank of America, yet BofA is reporting to XXXX XXXX XXXX that my account is " Unpaid '' with a {$0.00} balance and the Contribution Reason : Checking Account Fraud which is COMPLETELY inaccurate. I have attached the report I obtained from EWS. After disputing the information with XXXX, their " findings '' stated that they VERIFIED the information with BofA as accurate, which is completely not true. My account was only open for 5 days.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (WY)

MoneyLion installment loan closed XX/XX/XXXX. XX/XX/XXXX I had disputed the account on my XXXX  credit report because They had incorrectly reported the status as late or in collections for a couple months. A week later I got a message the dispute was complete and my credit report was updated. I looked only to find my score had dropped and the update to the moneylion account was even more incorrect. It now shows the account in charge off status from XX/XX/XXXX to present XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX so the charge off status showing from then until now, all 18 months need to be removed.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am being contacted by a new Collection Company regard a Medical Debt that was not mine rather paid back in XXXX and XXXX. I reported the previous Collection to the CFPB, XXXX, XXXX, and XXXX. The previous Collection Companies deleted the debt from the XXXX and the original Creditor applied for payment from my insurance to clear the debt in XXXX. I am requesting the collection company remove the debt and no longer contact me or my family in the future.
Consumer complaint received 2021-09-15
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. (NC)

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my XXXX  that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Consumer complaint received 2021-09-15
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: STATE EMPLOYEES CREDIT UNION (NC)

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company State Employees Cred keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XX/XX/2020.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In 2017 XXXX  suffered a security breach that leaked the data of 143 million Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (GA)

This is a follow up of closed complaint # XXXX Company CCI/Contract Callers Inc. is in clear violation of the FDCPA/FCRA/TILA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth mailed certified on XX/XX/2021, received, and signed for on XX/XX/2021 was ignored. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert . Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''