davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
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: EQUIFAX, INC. (SD)

I have sent  XXXX  letters requesting removal of the account "  XXXX   XXXX   XXXX  '' from my credit report between all three CBs due to this account NOT being mine.   XXXX   and  XXXX  admitted that they could not verify the account belonged to me, and promptly removed it from reporting. However, even after  XXXX  separate noticed to Equifax, they refuse to remove it. I sent a demand requesting that they disclose ALL information regarding how they verified that this debt was mine, including the name and number of the individual working for Equifax, the name number and title of the person who furnished the information to that person, and all supporting documents. Equifax has continued to ignore my requests. Since they are reporting still to this day, we can assume they claim it 's verified.  XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that   Equifax must be willing and able to produce a document in their files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have   1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Verification MUST consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). My request is THE LAW. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I demand that this account be removed from my credit file as two other CBs have already accepted that this account is NOT mine and should have never been reported as such.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized, and I request that it be promptly investigated and corrected.
Consumer complaint received 2022-11-15
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. (FL)

I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to Experian XXXX, XXXX XXXX, and XXXX. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (TX)

PHH Mortgage has a sale date on a home that has been sold twice by fraud. 

PHH Mortgage claiming ownership to a property that XXXX XXXX  signed an illegal judgments PHH Mortgage is attempting to collect a debt without a contract, which equals a lien, which this party does not hae. As the loan is fraud. The original company was sued by XXXX  XXXX, XXXX XXXX, who did not have a contract to obtain a lien. the XXXX  XXXX  already made a ruling and all the loans was, kept Lost the loans as they sue XXXX XXXX  sued PHH Mortgage received a transfer from OCWEN while being barred by status of limitation transferred inside a bankruptcy XXXX party by the name of XXXX XXXX  XXXX  XXXX  who impersonated XXXX XXXX XXXX 2012 obtained an illegal judgment A lawsuit was filled against XXXX XXXX, as they have no rights as they did not have a contract, which equal XXXX this is intentional Fraud A second Judge tamper with XXXX  order and gave the property to another company Now any person with any sense knows it is illegal to sale a home more than one. There can only be one owners
Consumer complaint received 2022-11-15
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. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, -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 ALL NEGATIVE ACCOUNTS LISTED BELOW -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CT)

I have asked Comenity Bank to stop calling me at work and my personal phone. I have been working with XXXX XXXX XXXX XXXX on credit card consolidation. I just dont want to be harassed
Consumer complaint received 2022-11-22
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. (NC)

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 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I paid XXXX XXXX XXXX {$1600.00} for a cruise starting XX/XX/XXXX. Due to a medical condition of my travel partner we needed to cancel. We both had travel insurance and filed a claim. The insurance company asked for medical documentation. We supplied the MD documentation. Then they made a XXXX request which we supplied. Then, after a long period of time, the insurance company gave us a partial refund. XXXX XXXX Line states they issued three separate refunds to me on my American Express card for the remaining refund amount. These three amounts are {$38.00}, {$590.00} and {$230.00}. I have only received the {$38.00}. I have contacted XXXX several times and once was told to wait because the refunds can take time. I then filed documentation with the XXXX Customer Service office. Their response put the entire delay of my refund on my travel agent. My travel agent checked with XXXX and they told her all refunds were sent to my AmEx card by them and supplied transaction numbers for each refund. I have contacted AmEx several times by phone and letter and opened several dispute cases. Each time they say I have received all my refunds yet there is no record of them on my statement. AmEx has also refused to investigate these dispute cases stating it was past 60 days. I explained that it took so long because of insurance delays and working with XXXX to obtain my refund. I also asked XXXX to verify that all XXXX refunds were sent to AmEx. I believe that I have tried all the ways that a consumer can obtain the refund that is due. Please help!!
Consumer complaint received 2022-11-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | XXXX : XX/XX/1970 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates XXXX and XX/XX/year>. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2022-11-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ARVEST BANK GROUP, INC. (MD)

In XX/XX/2022 I was notified by a debt collector, Arvest Central mortgage Company, stating that I owed them mortgage payments. I have never heard of this company so I disputed this alleged debt in full as they instructed me to do so, if I questioned this account. I also did some research on this company and neither them or their parent company, XXXX Bank, have a mortgage lending license in the state of Maryland. This means that do not have the authority to conduct business in the state of Maryland. With all the negative things that Ive discovered about this debt collector, they have sent paperwork stating that they are moving forward with foreclosure of my property, as well as stating that they have placed my deed in lieu. I know that I have been violated, and I will continue to exercise my rights. 
Also Ive disputed this alleged debt with XXXX and they stated that they conducted an investigation and the debt collector advised them that the debt was valid.So honestly, who did they actually investigate, it wasnt myself nor anyone that i may know like a neighbor.
Consumer complaint received 2022-11-16
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-16
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., US DEPT ED XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (AZ)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (AZ)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (MA)

Credit Corp Solutions has broken numerous state and federal laws in attempt to collect a debt. 
First - I am a Massachusetts resident. Credit Corp is NOT licensed to collect a debt on a Massachusetts resident. 
Second - I have sent two requests for validation of debt ( XX/XX/2019 and XX/XX/2019 ). Under federal law they had 30 days from the date of receipt to provide validation. They failed to reply whatsoever within the federally mandated time frame. 
Third - In XX/XX/2019 I sent a 93A Demand notice informing them of their failure to obtain licensing, illegal reporting ( listing their own name on a MA consumer credit report in violation of 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ) ) and failure to provide validation of their claim. They ignored this notice, no reply or correspondence has been received.
Consumer complaint received 2023-05-23
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: WELLS FARGO & COMPANY (TX)

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX. XXXX. 
XXXX XXXX 
XXXX. XXXX XXXX XXXX. 
Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.