davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my credit report on XX/XX/XXXX, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX XXXX XXXX ( {$590.00} ) opened XX/XX/XXXX. 
XXXX XXXX XXXX ( {$100.00} ) opened XXXX XXXX, XXXX. 

According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 
I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number xxxxxx XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (IL)

IN XX/XX/2023 I WAS A VICTIM OF IDENTITY THEFT. SOMEONE OPENED A XXXX CARD IN MY NAME, AND ATTEMPTED A CHECKING ACCT IN XXXX XXXX, IL. NOW IT APPEARS THAT SOMEONE HAS OPENED AN ACCT XXXX XXXX XXXX XXXX, IN THE AMOUNT OF XXXX IN XX/XX/2023. 
I PLACED XXXX ON MY ACCT IMMEDIATELY BUT I NEED HELP WITH THESE SCAMMERS!! 

SINCE THEN I WENT THROUGH A DIVORCE. 
PREVIOUS NAME : XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Paystub attached for proof of address at the bottom/ date at the bottom
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, XXXX, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2024-05-02
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. (SC)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-02
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I called on XX/XX/23 about XXXX transactions I wanted to dispute. XXXX was submitted via form and did not get created until XX/XX/23. The other was created on XX/XX/23. The one created on XX/XX/23 has no update and only states it was received. The one created on XX/XX/23 is in process and a provisional credit has been issued. I called on XX/XX/23 to get an update. No update was provided and the representative advised they would put in a request for additional information. That will have been a week ago tomorrow XX/XX/23. It does not seem as if my bank wants to work on resolving my dispute.
Consumer complaint received 2024-05-02
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. (CA)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2023-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Refinanced condo about 5 years ago and they have change banks XXXX times and now with Nationstar. They are trying to force me to go with direct payment by mailing their bill to me late so they can charge me a late fee. I have contacted them by phone about this on XXXX different occasions and received it in a timely manner this month ( XXXX XXXX ) but they failed to remove late fees as agreed. Please try calling them at customer service XXXX and you will understand why I am sick of dealing with Nationstar! My credit rating is over XXXX!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am submitting this complaint to formally request the removal of fraudulent inquiries from my credit reports. I ask that the three credit bureaus conduct a removal procedure as mandated by law. Below is a list of the fraudulent inquiries that need to be addressed : 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 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 2024-05-02
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. (TX)

I am writing to express my serious concern and dissatisfaction regarding the handling of this attempt to correct late open accounts. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the issue of late open accounts, I regret to inform you that the problem persisted during the 3rd attempt. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to identify the root causes of the late open accounts and implement robust measures to prevent their recurrence in future attempts. Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct the late open accounts XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2024-05-02
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2023-07-11
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: Rushmore Service Center, LLC (TX)

To whom it may concern : The reason of this email is to put a complain about the situation Rush More loan services They reported me being behind 3 months in XXXX of XXXX But I was placed in forbearance until XX/XX/XXXX of XXXX, when it ended. 

Right after that they put me on a new program referred to as partial claim on XX/XX/XXXX, I spoke several times with RushMore representatives and asked them if I was still protected on my credit and ALL of the said yes that I was protected without any risk of being sent to the bad credit, I spoke over 6 times with them about that in different dates since XX/XX/XXXX and even all the way until XXXX XX/XX/XXXX Rushmore transferred my loan to XXXX XXXX on XX/XX/XXXX and the situation got even worse, During the transition, the apparently lost the partial claim paperwork and by the time they were able to locate the paperwork from Rushmore it was XXXX weeks later. 

When I initially called Rushmore in XXXX of XXXX, they said they were going to delete the mortgage lates and to expect something by XXXX of XXXX. In XXXX of XXXX, I reached out as nothing had happened, and they said another XXXX weeks. This has now been going for XXXX mos. And still nothing. Recently, I had my credit pulled, and the 3 month mortgage late was still reporting. I dont know what else to do, but really need help! 

theyre saying or acting like it was nobodys fault both parties Rushmore and XXXX XXXX saying it was Rushmores fault, I dont think is fair to us since we need to sell our actual house due a personal situation with a baby girl that we have with especial needs and she has medical equipment as well going now more often to XXXX, XXXX  for XXXX to be seeing by doctors over there, for that situation and location of the actual house we need to get a house closer to the way to XXXX, XXXX  since we live XXXX XXXX XXXX right now, apparently theres an easy option to delete those late months through E-Oscar, I dont know why Rushmore dont fix their mistake and let us move forward with the purchase of our new home, we need this matter to get fixed ASAP If you have any other questions please dont hesitate to contact me at XXXX XXXX XXXX Thank you so much for helping on this matter, Sincerely XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing in response to the letter I received from your company Midland Credit Management, regarding an alleged debt of {$5000.00}. which you claim was purchased from XXXX XXXX XXXX. 
Before any further action can be taken, I am requesting that you provide verification of this debt. Under the Fair Debt Collection Practices Act, I am entitled to receive documentation that confirms the validity of the debt, including the amount owed and proof that you have the legal right to collect on it. 
Furthermore, I am exercising my right to request that all communication from your company be in writing only, by mail. I do not wish to receive any further phone calls or emails regarding this matter. This is to avoid any confusion or misunderstanding that may arise from oral communication, and to ensure that I have a written record of all correspondence. 
Please note that failure to provide verification of this debt or continued contact in violation of my request will be considered a violation of the Fair Debt Collection Practices Act, and I reserve the right to take legal action if necessary. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX everyone!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : I am requesting you review your data on file for me and make sure it is accurate according to the Fair Credit Reporting Act and Metro 2 compliance standards. I am challenging any inaccuracies in my credit report and requesting that they be corrected immediately. I also require that any inquiries within my credit profile have a permissible purpose and be accurately sourced.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (GA)

On XX/XX/2024, I contacted Halsted Financial Services in reference to account # XXXX, asking for a cease and desist of electronic communication, providing communication only through mail. In this, I also asked for the validity of the debt and its ownership. To no avail, the company did not respond to either request, as I have yet to receive validation of the debt, and I am also continuing to receive email communications about the debt that come almost daily.