davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I pen this letter with a sense of escalating frustration and disappointment due to the ongoing failure to address and remove fraudulent items from my credit report. Despite numerous and exhaustive attempts to rectify this egregious situation, the persistent presence of these inaccuracies is not only unacceptable but is wreaking havoc on my financial well-being. 

This ordeal commenced and since then, I have engaged in a relentless battle to correct these fraudulent entries. I have submitted an alarming number of dispute requests, accompanied by detailed documentation and explanations to support my claims. Shockingly, these efforts have proven fruitless, as the fraudulent items continue to cast a dark shadow over my credit history. 

The gravity of this situation can not be overstated. It is not merely a clerical error ; it is a breach of trust and a blatant disregard for the fundamental principles of accurate credit reporting. This ongoing failure is not only impacting my creditworthiness but is eroding my confidence in the integrity of your dispute resolution process. 

I demand an immediate and thorough investigation into this matter, with an unwavering focus on removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the repeated failures to address and rectify these issues. 

The time for platitudes and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and explore all available legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final instance in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (HI)

Midland Credit Management has called me several times a day for weeks now. They have definitely called more than seven times in a week. They have sent an email threatening to sue me if I did not respond immediately. I have XXXX and other XXXX covered by the XXXX and I am struggling to get back on my feet. My only income is from government assistance at the moment. I am undergoing psychiatric treatment and training to reenter the work force. The repeated calls from various numbers are having a negative impact on my medical conditions. I have records of all their calls on my phone and can prove that they have violated the law by calling me more than 7 times a week. I would like to seek a copy of their records of all phone calls and communications they have sent to me and I want them to cease and desist harassing me for a debt I do not have the capacity to pay. Furthermore I may seek damages against them if they continue to deliberately harass me and aggravate my medical conditions. Please help me.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have an unverified account from the following companies XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my profound frustration and dissatisfaction with the persistent presence of fraudulent items on my credit report despite multiple attempts to have them removed. The ongoing failure to address this critical matter has not only damaged my creditworthiness but has also caused significant emotional distress and financial uncertainty. 

I initially identified these fraudulent items on my credit report and promptly initiated the necessary procedures to dispute and remove them. Despite submitting detailed explanations, supporting documentation, and following your established dispute resolution process, these fraudulent entries persist. 

This situation is intolerable, as it undermines the fundamental integrity of my credit report and compromises my ability to engage in essential financial transactions. I have faithfully adhered to the established protocols, yet the fraudulent items continue to tarnish my credit history. 

I insist on an immediate and thorough investigation into this matter, with a focus on rectifying the ongoing presence of fraudulent items on my credit report. Additionally, I demand a comprehensive explanation for the repeated failures to address and rectify this issue. 

I expect this matter to be treated with the utmost urgency, and I anticipate a detailed response within the exact timeframe from the date of this letter. Failure to resolve this matter promptly will leave me with no alternative but to escalate my complaint to regulatory authorities and seek legal remedies to rectify these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-07-31
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. (TX)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-11-27
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MI)

I have repeatedly requested a copy of my report since XXXX and I have attached a copy of ONE their responses providing me a PIN number to remove or add a freeze and statement saying that they are unable to process my request. They continue to ask me for identifying information like social security card, driver 's license photos and every other piece of information. I have provided all of this through their upload system over fax mail and email! What are they doing with my information? Have they breached my data by not reviewing this information and providing me my documentation that I've asked for up until 2 weeks ago? How many times do I have to provide them very sensitive information that I don't know who is reviewing or looking at and they still can not seem to process it? This is unacceptable! I want a copy of my entire report immediately. 

I have followed their procedure I have given them adequate time to provide me this information and yet they still refuse the process this. My most recent communication started in XXXX and has went through until today as a matter of fact when I have also called them and they will not talk to me even. They continue to tell me that they can't validate who I am but yet they have all of my information because they keep asking me to send it and I send it and then they send me emails and they send me letters back at the proper address. Unacceptable. They are the one company that I can not get any reports from and I need them immediately because I think they are part of a data breach of my information. 

I am a victim of XXXX  XXXX and provided evidence of this and all of my identifying information and XXXX. It is now XXXX  if you look at the emails and I still don't have the information that I need which is a copy of my report. I need to see who has accessed my report and I need to see what my report is showing.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I applied in XXXX for Care Credit and was denied. 

I left it at that .... However I received in the Month of XXXX that an alleged debt is owed in the name of XXXX XXXX. I have various recorded calls notifying XXXX, XXXX and XXXX that I do not do business in that name. I only do business with the name ( XXXX XXXX XXXX XXXX ) on the Social Security card... all other derivatives are FRAUD. 

I am now Pending Litigation against XXXX and XXXX. I will be proceeding with Legal Action against all parties mentioned herein, if this/these issue ( s ) are not corrected and resolved.

I will be seeking relief for violation ( s ) of 5 USC 552A ; 15 USC 1605 ; 15 USC 1666D ; 15 USC 1692; ETC.

I have written various letters and am now beyond their negligence of the XXXX  XXXX, XXXX, XXXX  and XXXX debt collector ( XXXX ) that are not willing to resolve these matters.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

I have recently tried to borrow some money and discovered that I had two delinquent payments reflected in my credit report. The report shows payments XX/XX/year> and XX/XX/year> as delinquent over thirty days. This information is untrue. I have tried to contact the company and told them the situation, and was referred to submitting an email to a research department, wherein I explained the situation. 15 days later I got a standard reply that the issue had been corrected. Since then I have not been able to contact them at all! 

I then tried through XXXX, to start a complaint with them and they said it would be 30 days. Well it came back with the same standard form that this issue had been corrected in and updated. But in subsequent reviews the payment information that I described above for the two months, what still showing delinquent over thirty days. 

This error is preventing me from getting a loan I very much need! 

These errors occurred during a time I was made a special agreement to pay a missed payment from XX/XX/year>. The was to repay this missing XX/XX/year> payment over three payments made during XX/XX/year> XX/XX/year> and XX/XX/year>. I made all the payments and was told that the agreement was satisfied, and that all my credit reporting would show as normal.
Consumer complaint received 2024-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

Collection agency is attempting to collect a debt that is invalid and does not exist. They state in their letter that the creditor is XXXX XXXX XXXX. When I contact XXXX XXXX XXXX they state that there is no debt due and all of my accounts are paid in full. This was verified with the billing manager at the physician 's office. I believe this collection agency is a scam and is soliciting fraudulent collections that do not exist.
Consumer complaint received 2024-02-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENOVA INTERNATIONAL, INC. (UT)

CASHNET USA has obtained a third party debt collector XXXX XXXX XXXX who has been leaving text messages with my ex wife demanding payments to the third party debt collector who is stating over the phone a garnishment has been approved by a Judge and garnishment proceedings will commence soon, this is highly illegal behavior against the FDCPA and carries a $ XXXX/occurrence. Cease and desist has been requested from both parties. Only send correspondence by mail, these violations that have occurred carry monetary damages that need to be paid.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction Experian, XXXX, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from my credit report.
Consumer complaint received 2024-01-25
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Thomas Agency, Inc. (ME)

This company has been repeatedly calling me from an unknown/restricted number. They call me once every week for the past 3 years. I did answer in the beginning and talked to someone and stated the debt isnt mine. A scholarship paid for my tuition. They still continued to call me. I got a call tonight stating the following ; This is an attempt to collect debt, and any information of change will be used only for that purpose. Due to recent changes and credit reporting rules pertaining to medical debt If your account has been reported to the three major credit bureaus, and are related to a medical expense They're eligible for deletion from your credit file once paid. They sent me a letter in XXXX  stating if I didnt pay then they would take me to court. I just want it to stop.
Consumer complaint received 2024-02-09
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. (GA)

I have XXXX unauthorized hard inquiries on my equifax report. I have sent letters for them to verify and have them removed and equifax failed to do so. I called all XXXX companies and they said to call equifax. My credit was frozen XX/XX/XXXX and again on XX/XX/XXXX and these inquiries occurred when my credit was frozen which is a fcra violation XXXX XXXX on XX/XX/XXXX and service loan on XX/XX/XXXX as well are unauthorized
Consumer complaint received 2024-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NH)

This is stemming from the previous issue I had. 
Marcus Goldman Sachs fraud depth told me they could let my {$1200.00} transfer to XXXX XXXX XXXXXXXX XXXX go through, as my account got verified last night XX/XX/year>. Today, XX/XX/year> I received a call from Marcus saying part of the funds were on " hold '' until they clear. They already cleared my bank. .I transferred on XX/XX/XXXX, so it has been over a month. The Marcus rep told me when I signed with the bank. I gave them permission to hold my money indefinitely. That seems like theft to me. He would not give me information about how long my money will be held for he said it can go back to the original account. The problem is, when I linked my bank account to them, my mothers was linked as well without my permission. So when I transferred out of what I thought was my account, and i think it ended up being my mother 's. Medicaid now owns that account and Marcus will not tell me if the rest of the funds came from a checking or a savings account. I am really tired of trying to regain control of MY money. How is this legal for them to do this? I have never been treated like this before.
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.