davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

My debt is to XXXX I gave notice to cancel service in XX/XX/2021. They continued to charge me. We all know one may not continue service, we would be disconnected after a month of non payment. The hardware was not working, which I gave them notice but they continually charged me. Apparently 2 months after I moved I was charged installation fees as well. I was pretty much homeless. I moved my address to a relatives so I could receive mail XX/XX/2021. Midland Credit has simply refused to acknowledge my calls. I will not give my social security number for the sake of security. They ( several employees ) refuse to work with me after I've given them the account XXXX XXXXXXXX. 
This is ridiculous, at best. I've tried to reason, as I think, possibly, the new tenants may have used my name to continue service. Now, my wages are being garnished for equipment that is out dated and didn't work and the account should have been closed months prior. 
I'm willing to agree to {$250.00} for the services I MAY have owed but no more. I'm being financially XXXX. Midland credit management is a disgrace. If they were a reputable company they would have sent the information I had asked for.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, have violated my rights 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 2023-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion, LLC is consistently ignoring investigation requests to resolve their inaccurate, incomplete, unverified, false, misleading and improperly investigated information. They are negatively impacting my financial livelihood and their noncompliance is intentional. I'm requesting for the CFPB to step in to assure that I am being treated fairly as this is causing me financial, mental and emotional distress and I am unable to get TransUnion to stop violating my consumer rights.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please note, this is not a duplicate complainant and I'm not using any tghird party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX Inquiry : XXXX XXXX, 2023 ; BANK XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Please remove these fraud items from my report as soon as possible.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to screw over the consumer?
Consumer complaint received 2017-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.
Consumer complaint received 2023-05-19
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  and XXXX XXXX XXXX. 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 an 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I got an alert from Experian that a hard inquiry occurred on my file from XXXX XXXX I called them to dispute it and they recommend that I also file a complaint with the FTC.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lockhart, Morris & Montgomery Inc. (FL)

XX/XX/2022 Lockhart Morris and Montgomery based out of Texas Contacted me I recognize the number as numerous phone calls with no voicemails left over the previous weeks I answered they stated who they were and proceeded to give me information personal information about myself prior to verifying 100 % who I was I notified them that I did not at all condone or sign any paperwork allowing them to have my personal information E.G. social security number and such, also notified the individual on the phone they have been calling me and not leaving voicemails which is phone harassment in the State of Florida numerous phone calls per day or per week I did offer an amount that I could afford to settle the debt she scuffed at me and told me that she would not even attempt to submit and told me what amount I would have to pay no matter what upon telling her financial situation not giving her details but I could not afford that she said they would not agree to any of that and they gave me a set amount that is mandatory to pay, I told her if she's refusing to attempt to submit any kind of settlement then she needs to no longer contact me I have received numerous phone calls since she did inform me that apparently they know the laws and they are not breaking them according to the State of Florida statutes one phone call with no voicemail or no call back number or no identification of who is calling is actually registered and can be filed under phone harassment. Her unwillingness to try and settle is telling me that they are trying to force my hand at paying something that I can not afford and upon asking them to no longer contact me the numerous phone calls I have received since totals up to about XXXX after I notified them do not contact me because they did not want to settle they have continued to do so and as of XX/XX/XXXX they decided to add it to my credit report to try and hurt my credit after during the phone call I told them it does not need to be reported on my credit because they are refusing to settle and they are harassing me they have done so to try and tarnish my credit they waited 30 days after I told them do not contact me continue to contact me and now they're reporting it to my credit to hurt me this is harassment and bullying.
Consumer complaint received 2022-10-10
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)

XXXX XXXX for XXXX XXXX Bank for {$750.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX  , and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX  Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to screw over the consumer?
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (FL)

I am responding to your recent response to my dispute of inquiry 's on my credit report. I chose xactus as that is what shows on my report. You stated that XXXX XXXX XXXX XXXX pulled credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Then, client XXXX XXXX pulled credit report on XX/XX/XXXX I See XXXX RE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AS well as there being XXXX on XX/XX/XXXX. 

These are the inquiry 's I'm reporting as ran fraudulently and unknown to me. I'm requesting they be removed ASAP due to the nature. Im requesting any proof i authorized this to be run and any information to go with that. I did not run these reports and can assure i didn't authorize it.
Consumer complaint received 2024-03-29
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. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.