davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems I have never received correspondence from them about a debt owed prior to this going on my credit. This is the second time I am filing a complaint to the CFPB on them. Last time it was in XX/XX/XXXX for the same mess. This appeared on my credit report on Thursday, XX/XX/XXXX for {$800.00} out of the blue and then on Friday, XX/XX/XXXX @ XXXX XXXX  I received a call from Midwest Recovery from a XXXX, Florida number which makes no sense. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this debt, which I do not. This company continues to do this to several citizens by popping up out of the blue on their credit report and attempting to strong arm people by sending a debt automatically to all three credit agencies with no correspondence or calls. I am highly XXXX off and plan to go to local authorities as they are playing with my livelihood and my credit and appear to be scammers. I am sick of it. Something has to be done with MRS .
Consumer complaint received 2024-09-11
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)

Under XXXX XXXX XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting 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)

I'm a victim of identity theft, pursuant to section 605B. Please remove the fraudulent account. Attached are proof of the fraud FTC REPORT *****PLEASE READ FTC REPORT***
Consumer complaint received 2024-09-12
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (OH)

XX/XX/XXXX, {$750.00}. XXXX called and left me a voicemail saying that I needed to pay this amount or they was going to have me taken to court. Said that they mailed a letter to me 45 days ago which i have never received. I asked them for a " validation notice '' which he refused to send me one stating that it would give me another 30 days? Got his name and phone number and asked him for an address where to send payment to, which is a P.O. Box in California. I've tried to look up their company online and cant find it anywhere " XXXX  XXXX XXXX '' address XXXX XXXX XXXX XXXX California # XXXX. XXXX XXXX extension # XXXX Phone number XXXX. ID # XXXX. When i first called them they said they were transferring me to the legal department and put me on hold and someone picked up but never said anything for about 2 minutes so i hung up and tried calling the number back from a different phone and it said that it was disconnected. XXXX XXXX called me back on that number several minutes later. He stated that he had my email, ssn, address, phone number and email and was going to email me a letter to notarized within the next 40 minutes which i have yet to receive. The debt that I allegedly owe is from XXXX which after doing some research in the state of Ohio the statue of limitations is 6 years on any debt as of the last day the account was used or paid. I called who he said that the creditor was, US Bank  and they stated they sold the debt in XXXX to XXXX XXXX XXXX XXXX. I spoke with XXXX which said that a debt that old is out of its statue of limitations and that it sounded like a scam to him. He also gave me his main headquarters number XXXX and said i should call them as well. When i spoke to XXXX XXXX he explained that XXXX XXXX XXXX is who he was trying to collect the debt for now and after looking them up on the internet i seen that the owner is being charged in a {$76.00} XXXX dollar scheme. It just seems all to fishy to me. Especially when they are refusing to send me a written validation notice which is required by law.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Consumer complaint received 2020-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paradigm Assets, LLC (CT)

I was notified via us mail that a lien had been placed against my property. 
Upon searching court records I discovered that the law offices had filed suit using an address I have not lived at since XX/XX/XXXX. I have previously dealt with this Collections company And they were fully aware of my current address but chose to use my old address so that I wouldnt get notified of the court case and they could proceed because I wouldnt get notified. 
I have written correspondence from XX/XX/XXXX from their attorney dumont to my correct address from previous dealings with them in which they claimed they didnt know where I lived after a similar incident. 
There is retuned mail in this case because they used the wrong address and the mail got returned. The retuned mail is in the public record from the court. The retuned mail is proof that I never received notification of the judgement placed against me. 
I was never served at home or work and they fully knew this using the wrong address to file suit against me. Im asking the lien be removed and court case dismissed as they did not properly notify me of suit and there is retuned mail as well as incorrect addresses listed on the paperwork filed in the court cases. This company fully knew my correct address and chose to use the wrong one on purpose. 
They also tried to get a motion of default prematurely and the court denied it. They had to wait the full amount of time which just shows they knew they had the wrong address and wanted to get a judgement before I found out about it so they could collect knowing I wouldnt get notified. 
In later court paperwork they add my later address knowing that I wasnt living at the original address they served me at. They also knew I was not living at the additional address they added to the paperwork but wanted to get a motion of default to collect their money. The second address was for show by them to make it look like they attempted to contact me
Consumer complaint received 2024-08-30
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed information that is incorrect on transunion several times at least 3 months in a row the last time being XX/XX/year> I contacted them again today XXXX and spoke to a live chat rep to tell them that they continue to put wrong information on my report and not fix it there are 3 items on there that are not correct and i do have receipts for those items one is XXXX XXXX they have continued to show this account as a balanc of XXXX dollars even when it was down to XXXX it is now paid off and i have the receipt, XXXX XXXX they are still showing the balance owed as XXXX dollars this accont was paid off the end of XXXX, XXXX XXXX the balance is showing as XXXX but it is XXXX cause i have made payments on it and have receipts its like they are not updating these reports at all and it is hurting my credit score unneccesarily when i am working so hard to pay my bills off because i am trying to get a mortgage
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-30
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. (GA)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, EQUIFAX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX # : XXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor : XXXX XXXXXXXX XXXX {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) XXXX XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( XXXX ) XXXX.
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I filed a complaint against Capital One initially on XX/XX/2020. My complaint was directly related to reports of a late payment on my credit file. I notified Capital One that I am disputing this derogatory mark on my report and asked for verification or proof of accuracy bearing my signature. Within 30 days I had heard nothing back from them nor was this item marked on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question. I filed a complaint with CFPB on XX/XX/XXXX and on XX/XX/XXXX I received the response from Capital One stating that " ... .. we are respectfully declining your request that we ask the CRAs and to change the information we're reporting about this account. 

In your submission, you stated that we have not responded to your previous correspondence. We have reviewed our records and we have not received any correspondence from you regarding this matter. 

On XX/XX/2020, we requested that the CRAs report your account as being disputed by you. Please allow up to 60 days for these agencies to update their records ... '' I have two documents that prove that Capital One did, in fact, receive two different correspondence items sent certified mail by me one in XXXX and one in XXXX. Additionally, if they supposedly received no correspondence from me, then how, on XX/XX/2020, did they know that they should request that the CRA 's report my account as being disputed by me? 

I would like this information to be immediately removed by Capital One as they are clearly not acting in good faith and have even outed themselves as liars in their very own letter. I have attached both documents providing proof that they received my correspondence.
Consumer complaint received 2024-08-30
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (TX)

In XXXX of 2019 I attempted to get home improvement loan on my house. I discovered there were liens that had never been released. I did the work finding the people having those properly removed. I also discovered there was a second mortgage that was not paid ... the mortgage was in my husband 's name, he passed 7 years ago, I only knew of the one that I took over financially responsibility for. It took some digging around, but I found the lender that had the second mortgage. I was instructed to fax a request to settle the balance. I started on XX/XX/2019 with my first settlement offer, after a couple of week, it was declined. XX/XX/2019, I submitted another request, after a few weeks it was declined. XX/XX/2019, I submitted another request, I received another decline 2 weeks later. 
I spoke to a gentleman that advised me to go higher, when I submitted request for $ XXXX on XX/XX/XXXX, I didn't hear anything and when I called I was told it was approved and just awaiting signature. Then I got a call that it was declined, they wanted the full amount owed. I said ok, I wish you would've just said that in the beginning. I then asked if they could just send me paperwork to assume responsibility of the loan and to do a modification. After a couple of weeks, I called back asking about modification package, he would say it was sent out. I would always ask if they could just email it to me, not it had to be mailed. weeks would go by and nothing, I called back and he finally gave me an excuse that it was returned. There is no way, the address is the same and we have the same postman. I asked if they were putting my husband 's name on it, again the postman knows I am still here so I don't know who would've returned it. I never saw proof of the return, we have community mailboxes, hopefully if it was put in wrong box my neighbor would bring it to me. They would email declination of offers to me, but they couldn't email the modification package? 
I have recently started getting letter from attorneys regarding foreclosure, I was confused because I pay my mortgage on time every month and I remembered I have never resolved issue with Franklin Credit.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (FL)

I have tried to reach Collection Bureau of America to delete this debt of all my credit reports ( XXXX, XXXX, XXXX ) for the amount of {$610.00} Back in XXXX 0f 2020. Have not gotten a response or letter showing that my debt is valid.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

On XX/XX/2020 I received a Debt Collection Notice from Midwest Recovery System : for {$760.00} in my name, originating from XXXX XXXX. It says the loan originated on XX/XX/2020. It was reported on my XXXX  credit report under my ssn and had negatively affected my credit score. This loan is NOT mine. I believe I was a victim of a scam or fraud.
Consumer complaint received 2020-04-25
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. (MS)

I submitted a request to XXXX for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my Equifax score decrease by 22 points. That is not fair.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, CREDIT RECOVERY XXXX XXXX XXXX XXXX ONLINE INFORMATION SERVICES 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 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 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.