davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
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. (NJ)

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX as well as XXXX are all in violation of the FCRA ...
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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 XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

This is my second complaint submitted against FCO - Fair Collections & Outsourcing. They were trying to collect a debt from me that I do not owe, know nothing about, and that is not mine. The debt is for {$3200.00} and it's from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I know nothing about the debt or the company. The first complain that I submitted had a response from FCO informing me that they contacted me wrongly and that I'm not the person they're looking for and that we had similar names. They also apologized and said that they would delete all of my information from their system and never submit a negative report on me to any credit bureau due to the debt not even being mine. 

I checked my credit reports today and found out that they did indeed submit a negative derogatory report on me even though they had informed both me and the FTC that they won't do anything due to the debt not even belonging to me. 

Please help me because this company is clearly operating illegally. They failed to verify the debt by not showing me any legal paper work that has my personal information and they even told me over the phone that they don't have any of my personal information on any of the legal documents they posses on their end. They don't have my birthday, signature, address, or any other information on any of the legal documents they have yet they still attack me.
Consumer complaint received 2018-08-01
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. (AR)

On XX/XX/XXXX Equifax sent a copy of my credit report which included results from an investigation into accounts that were established without my knowledge or consent. Prior to receiving a copy of my credit report, on XX/XX/2018 I spoke with a representative at Equifax XXXX in the Fraud department who advised their verification procedures only included ; a consumers name, address, and social security number. I was told Equifax uses an electronic verification system or a system known as XXXX which performs off of computer generated codes. I advised the representative, that is not 100 % accurate and reasonable verification. I then asked to speak with a supervisor and was told that a supervisor would tell me the same thing. I then insisted on speaking with a manager and was placed on hold for approximately 20 minutes before I had to disconnect the call. In addition, upon Equifax being notified the accounts in question were established through identify theft, Section 609 ( e ) ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to the victim. Equifax is in violation of the FCRA by not providing an original application with my signature obligating me to the accounts that are in dispute.
Consumer complaint received 2018-08-01
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. (IL)

For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and Equifax have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXXwhen I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Consumer complaint received 2018-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (WV)

Around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. When purchasing this vehicle I traded in my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX I owed XXXX dollars on still and the XXXX XXXX I did not owe any money on at all. When purchasing the XXXX XXXX XXXX the car was {$22000.00} end of purchase even after trading in both of my previous cars in which the XXXX they gave me a trade in value of {$8000.00} and for the XXXX XXXX they gave me a trade in value of {$5000.00} the price did not change even with my trade ins. I was told the entire time by the salesman XXXX and the manager XXXX that the interest rate was only 10 % so I went a head and signed the paper work and purchased the vehicle. A month later when I looked through the paper work I came to realize they both falsified information and mislead me. The interest rate on the vehicle was not 10 %. It was 25 % meaning I didn't buy the car for {$22000.00} at the end of the loan that would make me owing the financer XXXX XXXX  {$46000.00} I soon realized this was a down fall and a used car is not worth that kind of money. This lead to a repossession. The reposession came about due to false information and being misled not only by the salesman XXXX but also by the manager. I would like to have this removed from my credit report seeing that it honestly is not my fault that a salesman and a manager misleads customers.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America says I owe money for fraud on my credit cards 2 ACCTS I have to pay back they put me in a regulatory debt collection stating I am responsible to pay back 4 years of fraud/identity theft I had no idea about! Help me I need a pro bono attorney to protect me. Can you offer any suggestions? I do not know what to do accounts were made in my name, loans, credit cards ... allot! All my personal info has been compromised! I may have to change my soc sec number, my name. Help me! I already unknkwingly was paying fraud 4years!! Doing wire transfers ectronic mobile wallet or digital opened lots of online accounts made in my name! Income taxes falsely filed in my name! I need an advocate to aid me in dealing with all this. I am XXXX & having a very very hard time. Please I need help!

XXXX XXXX XXXX
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

Paramount collection agency is reporting four different collection accounts on my credit report. The amounts are {$100.00}, {$100.00}, {$190.00}, and {$53.00}. The total amount is {$450.00}. According to my credit reports with all 3 reporting agencies this debt is for medical services. This debt is the result of identity theft. I have not received medical services from this company. I sent a letter through certified mail on XX/XX/2018 requesting validation of this debt. The company failed to respond however these items are still being reported on my credit report and destroying my good credit standing. I have attached proof that paramount recovery received the letter along with the letter that I mailed. Per the FCRA since this debt was not validated within 30 days as required all debt collection efforts should cease and these items should be completely removed from my credit report.
Consumer complaint received 2021-08-23
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: ALLY FINANCIAL INC. (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 XXXX  Account Number : XXXX This is not mine. 

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

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

A representative of Diversified Consultants Inc. called on my personal cell phone number attempting to collect a debt - $ 400+ on behalf of XXXX XXXX. I have never had XXXX XXXX or had any dealings with the company. When I challenged the representative, she responded, " oh, you've got a common name ; this must be another XXXX XXXX ''. It is troubling that the debt collector contacted me with only one piece of matching information - name. I have never lived at the address for the account and, obviously, none of my other personal information would match this other person. I am also bothered that the debt collector reached me on a personal cell phone that is not listed publicly. 

It is my understanding that many of the rights provided by the federal Fair Debt Collection Practices Act are afforded to any person, and not just the person who owes the debt. I have blocked the phone number that Diversified Consultants called from. Is there any other action that can be taken to ensure that I do not receive this type of call going forward?
Consumer complaint received 2018-08-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

We applied for a mortgage with Carrington Mortgage on XX/XX/2018. I first was in touch with XXXX XXXX in the XXXX Florida office. As the weeks went by and I tried to get in touch with XXXX XXXX she no longer worked there. They then told me XXXX XXXX took over XXXX XXXX 's files. Once XXXX start taking over the file it was issues of her not returning phone calls and her having an attitude. I put up with XXXX for a month until I can no longer take her attitude and rudeness. I then told her that we no longer wanted to work with her because of her attitude and her professionalism. I explained to her that we were going through enough trying to purchase the home and didn't need anything else to stress me out. I then asked her to pass our file alone to another loan officer who will understand our needs and get the file closed. She advised me that she can not do that she will pass the file to her supervisor which is XXXX XXXX. As weeks went by I called and emailed XXXX and he never responded back. I then XXXX Carrington Mortgage and a couple of loan officers came up I called each loan officer and ask him to put me in touch with XXXX or somebody else that's a supervisor. A week later XXXX called me and said he never got the messages or the emails which I have proof I sent. XXXX advised me that he will be taking over the file to try to get the loan closed. XXXX was very nice for the first couple of days and then he started being un- professional like XXXX not returning phone calls and having an attitude. When I first applied with Carrington Mortgage I explained to them that we were victims of identity theft and someone had stole our identity as we were trying to purchase this house. They advised me that it was okay that I had a fraud affidavit and I have proof that we were a victims of identity theft and they still can close on the house. They also have asked me to turn over the owner finance house that we were living in because we could not afford two mortgages. I did what they advise and I turned the house back over to mr . XXXX which I got it notarized. Mr XXXX said he would give us a couple of months until we were able to close on the house it is now going on XXXX and we will be homeless as of XX/XX/2018. XXXX sometimes call and email my Agent but will not communicate with us as Clients. I feel it's unfair that he sometimes explain what's going on with My Agent but not us. Please help I have a XXXX year old child and I'm so scared we will become homeless on Monday XX/XX/2018. 

Thanks for your cooperation in this matter.
Consumer complaint received 2021-08-23
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. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is a formal complaint regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft, and my credit report contains numerous inaccuracies that should have been removed after proper disputes were submitted to the credit reporting agencies. The following information must be addressed and removed immediately in compliance with the law : Under FCRA 605 ( a ), credit reporting agencies are obligated to ensure that only accurate and relevant information is reported. Reporting addresses that are not mine constitutes a direct violation of this provision.These errors on my credit report are the result of identity theft, and under FCRA 605B, I have the right to block fraudulent information from appearing on my credit report. I demand immediate compliance with this section, and that all incorrect information be removed without delay.Additionally, if the credit reporting agencies fail to act within the 30-day investigation period as mandated by FCRA 611, I will be left with no choice but to escalate this matter, including filing a lawsuit for damages under FCRA 616 and FCRA 617, which hold agencies liable for willful and negligent noncompliance.
Consumer complaint received 2020-10-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (GA)

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. 

Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX XXXX, while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. 

As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX XXXX Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. 

I have attached the letter for review. 

This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. 

I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

For the past 6- 7 years there has been numerous property inspection fees which XXXX each time. Then it is applied to mortgage smount. I do understand the investors have the right to make sure the home is occupied but should be every month.. However, the party hire to take picture of my drives by home very slowly with their phone hanging out of a partially open window to take a picture. On XX/XX/21, I took a picture of the silver XXXX XXXX taking a picture of my home. In the same investor for my home inundate my phone with people wanting me to sell. I've been in my home over 48 years then got this home equity loan which was sold to this investor.