davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$1200.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (MD)

I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX a debt collector illegally obtained my private confidential non-public information, credit report and is reporting " XXXX '' fraudulent accounts, amount, and other information without consent. The XXXX fraudulent accounts bear the same fictitious account numbers with varying data. I have disputed these account three times with Equifax and three times with XXXX who is a debt collector, not a creditor. XXXX has failed to obtain verification of the alleged debt and validate the debt, much less an account. I disputed the alleged " debt '' being reported as a " account '' and XXXX XXXX XXXX via Equifax claims it verified the alleged debt. This is impossible as not all accounts are debts, and all debts are not accounts.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.
Consumer complaint received 2024-09-18
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. (LA)

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 the following companies 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. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have found a total of XXXX accounts that I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, never signed a contract nor do i owe them any money.
Consumer complaint received 2023-09-15
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In the attachment, XXXX credit bureau has incorrect information. I have never had an account at XXXX. 

Why is this account ( for which I have never had ) appearing on my credit in XXXX, when the debt is zero and the original ( inaccurate ) report is listed as XXXX? Can you please work with Transunion to remove this from my credit? 
Thank you, XXXX XXXX The company responded with a non-answer. I want the company to actually RESPOND with real information before I get a lawyer. Why is the XXXX EVENT on my credit, and I dispute the initial validity of the XXXX event.
Consumer complaint received 2022-09-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I reached out in XX/XX/2022 online to Huntington National Bank to inquire about PMI removal. I never received a response. I then called and was told that to begin the process I will need to get a certified appraiser to perform an appraisal, then mail it in and they would review my account. I hired an appraiser on XX/XX/2022 and had an appraisal done for {$450.00}. I then called back to inquire where specifically the appraisal should be sent and was given an address for the mortgage department. Again, this seemed normal process, the agent said ok mail in your appraisal and we will review your account. I received a call on XX/XX/XXXX, along with a letter in the mail, stating that I can only have PMI removed through an internal appraiser which is {$150.00}. I am now refusing to pay this because I shouldn't have to- I was advised incorrectly to order an outside appraisal which ultimately cost me more. I will not pay an additional {$150.00}. Huntington either should honor my certified appraisal or pay the {$150.00} charge. I also want PMI removed for any additional processing time this has caused on their part. 

I filed an internal complaint with Huntington Mortgage. The customer advocacy group then called back on XX/XX/XXXX saying that they will not cover the {$150.00} internal appraisal needed. This is predatory banking. I could not get a clear answer on how to get PMI removed and there is no clear process outlined on the website, which is what caused me to pay the external certified appraiser along with their incorrect guidance. My current appraised value is roughly XXXX XXXX more than what I paid for the home and the loan to current value is clearly high enough to remove PMI, but they are giving me the runaround. I should not have to pay additional money to hire their internal appraiser after they incorrectly told me and their website states nothing of this. If they ask for an internal appraisal now, they should cover the additional charge. Of course they have no incentive to remove PMI and there is no clearly outlined process for what a consumer should do.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

While trying to make a payment on my XXXX XXXX credit card through Comenity Bank, the company 's website has been down for 3 days. Their backup website where a payment can be made without logging in to an account is also not working. Trying to call to make the payment, results in a pre-recorded message stating that they are undergoing a " system update '' and do not have access to account information. Staying on the line for a representative results in another pre-recorded message saying that " Due to unforeseen circumstances, our offices are temporarily closed '', and then the call drops.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have been trying to make a payment on comenity cards and keep getting a generic site under maintenance message when accessing my account. I called customer service on XX/XX/2022 only to be told that due to unforeseen circumstances, their office is closed. I have no way to reach the company or make a payment, which will result in fees and negative consequences on my credit.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and Equifax and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Consumer complaint received 2022-06-27
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. (TN)

My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called Transunion and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Consumer complaint received 2023-09-15
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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