davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Submitted FTC Identity theft fraud affidavit. Equifax has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit.

Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information.
Consumer complaint received 2023-12-26
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. ()

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 .I told XXXX , XXXX  , and Equifax to reinvestigate these accounts : Account name : Date Filed XXXX Court Id XXXX XXXX XXXX Case Number XXXX Trustee XXXX XXXX XXXX Type Individual Disposition Proposal to creditors Disposition Code XXXX Liability XXXX Assets XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX  Original Amount {$9000.00} Balance Amount {$9000.00} Last Payment XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX XXXX Original Amount {$430.00} Balance Amount {$760.00} Last Payment XXXX, Account name : Date Reported XXXX Creditor Id XXXX XXXX High Credit Amount {$690.00} Balance Amount {$690.00} Past Due Amount $ XXXX Months Reviewed XXXX Date Opened XXXX XXXX Type Open Payment Rate XXXX payment past due Payment Rate Code XXXXAccount name : Date Reported XXXX Creditor Id XXXX XXXX XXXX  High Credit Amount {$11000.00} Payment Term Amount {$260.00} Balance Amount {$14000.00} Past Due Amount {$1800.00} Date Opened XXXX XXXX Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code XXXX Account name : Date Reported XXXX Creditor Id XXXX High Credit Amount {$10000.00} Payment Term Amount {$9900.00} Balance Amount {$11000.00} Past Due Amount {$11000.00} Date Opened XXXX XXXX Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Hello, I was recently phished by a email posing to be a XXXX opportunity from my school. I followed the instructions in the email and sadly fell victim to the scam by submitting a check to the bank that was fake. The check was for {$950.00} I have photo proof of the entire incident that will be provided in this complaint. My name is XXXX XXXX I called the day of to try and resolve the solution but was told my relationship with TD is over and its permanent with no resolution.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.

5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-04-18
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-18
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)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2023-06-19
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I was requested to send a letter of explanation with regards to clarification of a bank statement I previously submitted. I emailed the explanation to them. 

I also left two voice messages with the escalation department with no return call asking for a status on the loan modification and suppression of credit reporting. I followed up with emails in addition to speaking with loss mitigation. 

The most recent request in lieu of a loan modification, I inquired about the Cares Act Forbearance as I had not taken a deferment with them.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.
Consumer complaint received 2024-01-13
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: DIGITAL FEDERAL CREDIT UNION (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX DIGITAL FEDERAL CREDIT UNION XXXX 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I financed a car through Westlake Financial, and was always on time with my payments until COVID-19 restrictions forced me to lose my employment and my car was repossessed. Even after asking for a deferment I was able to recover my vehicle for a modified payoff amount and was told that if I made this, they would remove the late payments from my record and that never happened. My credit report still shows three late payments on this loan.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX XXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

XX/XX/XXXX I started a title loan and was told that my payoff amount would be XXXX. It is now XXXX and my loan is still active and says I owe XXXX more dollars. I have given this company over XXXX dollars and when I call to explain this to them they say its fees. However they can not explain where the fees are coming from.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

I have disputed this several times including through CFPB. It appears that the CFPB isn't performing it's duties and obligations in enforcing regulations and consumer complaints. Consumer will continue to complain to other agencies and CFPB until this issue is properly addressed. The referenced account has been removed from other consumer reports but continues to report to my XXXX consumer report. I'm addressing this company again pre lawsuit. 

Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting.

This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k.

reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported.

I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Consumer complaint received 2024-01-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC. (PA)

As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX.