davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. There is several accounts on my credit file from Midland Credit Management. I have contacted Midland Credit Management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland Credit Management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Midland Credit Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland Credit Management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland Credit Management. You can not because this is not my debt nor do I owe Midland Credit Management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (CA)

Between XX/XX/2018 and XX/XX/2018 I applied with XXXX XXXX of XXXX to purchase a mobile home. We had to apply for a Mobile Home Loan via their loan servicer Vanderbilt Mortgage and Finance. In the process of transferring my handwritten credit application into electronic form the income reported for the borrower was doubled. Also when signing the closing loan documents the borrower nor the co-borrower were advised of our right to rescind, a notice of rescission was never given to us. 
We also have 2 different conditional loan approvals one states we are married the other states we are not. one states that we wish to not disclose our race while the other one states our race. One loan approval has a higher interest rate, higher payments, while the other one has lower interest rate with lower payments, all based upon the same reported income. I believe that myself and the borrower are both victims of predatory lending. as a result of a financial hardship we were sent a letter of default and subsequently evicted. Also an amount of XXXX and an eviction was reported to the credit reporting agencies.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: SANTANDER HOLDINGS USA, INC. (RI)

I called to find out how I can go about it and get some time to pay the loan. The telephone didnt really know what she was doing. I kept calling no one answered. Then without validate they closed my loan.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

RE : XXXX  BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account number # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account XXXX  XXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX DEPT OF EDUCATION/XXXX account XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VT)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2019-12-18
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. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Consumer complaint received 2024-08-17
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. (TX)

Under 15 USC 1681i ( 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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. (MI)

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, somehow the date I discovered it and the date the fraud begin got switch around as I was downloading the document.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Bellow is a letter that was sent to the Assistant VP of XXXX XXXX XXXX Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/year>. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side. 

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

Bellow is a letter that was sent to the Assistant VP of Round Point Mortgage Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/2024. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side.

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-13
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: Experian Information Solutions Inc. (WA)

I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-13
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Financial Assistance (SC)

In XX/XX/XXXX I finished my payments to XXXX XXXX XXXX XXXX, which is a student loan rehab program. on Friday XX/XX/XXXX, I responded to a voice mail from XXXX. It was a company called Student loan financial assistance ( SLFA ). They were claiming to help me with my new federal student loan repayment options. When I called SLFA I spoke with a man named XXXX. He said I qualify for the student loan forgiveness program. He said my monthly payments can be {$0.00} after I make three payments of {$170.00}. XXXX asked me to email him my proof of income, checking account information routing and account number, Social Security number, and a picture of my last billing statement form XXXX XXXX. He then emailed me a 15 page agreement to sign off on. This was all done while on the phone with him. Once I e-signed the documents, He stated all I had to do now is make the three payments of {$170.00} in three months and after I will have a monthly payment of {$0.00}. I made my payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I thought my loan was in good standings now. In XXXX I noticed I received a bill from XXXX  stating that I am pass due on my student loan payments and need to pay {$220.00} by XX/XX/XXXX. I was confused because I obviously though SLFA took care of this. I called XXXX on XX/XX/XXXX and explained to them everything about SLFA and they said I was scammed because they are the company in charge of my student loan repayment options. And they had never heard anything about or from that company. after going back and forth with XXXX and SLFA each company was telling me the other is the scam. Confused and upset, on XX/XX/XXXX I called studentloans.gov and spoke with the Student Loan Support Center. They assured me that XXXX was my true loan company and SLFA was a third party scam company that charged me a total of {$520.00} for a service XXXX does for free! Student Loan Support Center advised me to get a new Bank account and call Social Security to make sure my information was not used by the fraud company SLFA. I called XXXX back and they put me in the Income-Based Repayment plan for free. And said I should have never been charged for this application. My loan is now in good standings with XXXX. SLFA is a third party scam company that claims they are going to help with the loan but they do not do anything. When I would call them they would talk very unprofessional and rude, even yelling at one point and saying comments like " do you get it now '' and would put me on hold for over 30 minutes and always had a different excuse on why they haven't done anything. Like " your file was put on hold, '' " your case is different from others so " its gon na take another 90 days '' after I ready made the payments. I never spoke with the same person and they all gave me different excuses.