davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
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. (IL)

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX  XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit  reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement. 

Also I general revenue told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MO)

On  XXXX   XXXX ,   XXXX   I was alerted that I have a collection notification on my credit report.     For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report.     This is 100 % identity theft or some sort of scam as I do not own this debt.
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (PA)

Equifax has repeatably claimed that disputed inquires were verified and provided no proof that they were. the inquires were done without my permission. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (OR)

I have been trying to dispute Account Name XXXX BANK with XXXX XXXX XXXX EQUIFAX and XXXX for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA XXXX provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NC)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number 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 an account on my credit file without my written instructions.
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

In accordance to the fair credit reporting act, 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 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 
My Experian account decreased XXXX points in relation to this collection report. I have never received written notice from XXXX XXXX XXXX or any other communications stating that I owe them a debt. This cheated me of the opportunity to address the matter before it adversely affected my credit score.
Consumer complaint received 2023-01-02
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. (GA)

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (CT)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
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: Dakota Financial, LLC (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am trying to remove the inquiries from the credit reports. 
XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (SC)

I have attached the below proof and have reported to all 3 credit bureaus with no assistance. There are incorrect inquires, accounts, collections, write offs, addresses, and telephone numbers on my reports
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2022 a Credit card was open without my consent through Barclays. I had one account already open with Barclays. The credit card was an airline credit card open through Frontier airline credit card. The Credit Card was open under my maiden name. The card credit limit was XXXX. I believe this was an unsolicited card open to improve there sales for opening new accounts. I spoke with someone and he think it was open automatically because I surfed the website. The credit card was never used. I asked to please provide me with the credit card application, asked for address where credit card was sent etc. They refused to give me any information after I properly identified myself. I believe they are doing the same thing XXXX XXXX was found guilty of opening fake accounts.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2023 Someone stole {$3700.00} out of checking account and {$58.00} savings account and {$35.00} overdraft fee in my wellsfargo bank in XXXX North Carolina. The bank denied my claim of fraud and are saying I gave permission which a erroneous claim I never gave anyone my information or permission to take money out of my account and they are telling the claim is closed and the is nothing could do about it. I'm completely frustrated I live in XXXX XXXX fl all my bills are linked to these accounts and the bank I trusted my money with is allowing unauthorized transactions out of my account. I made the claim on XX/XX/2023 and I have been told there is nothing I could do about fraud on my account.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (CO)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX Account number : XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

Should be addressed with XXXX and Midland Credit Management. This is against my rights as a consumer. 

The Collections Account - Midland Credit Management is inaccurate and should be They are trying to collect on an account that was paid and satisfied. They are trying to collect on an account that was paid and satisfied in XXXX XXXX XXXX. Please see the attached documents for reference. This is not my debt they have put this on my credit multiple times now. This was removed before from all three bureaus but XXXX allows this to be put back on. 

My Attorney XXXX XXXX XXXX XXXX & XXXX Attorneys ( XXXX ) XXXX at law is in the process of Suing for this false collection against midland.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I was approved for loan modification on XXXX and still got evicted on XX/XX/XXXX. I was current with the monthly mortgage and Wells Fargo returned my check from XXXX to XXXX up to the eviction date. 
Wells Fargo did was no help at all.
Consumer complaint received 2023-04-13
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. (NY)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX  I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.