davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

an account was opened fraudulently in my name in XX/XX/XXXX and closed XX/XX/XXXX for a credit account at XXXX. I never opened an account with XXXX 's or purchased jewelry. This is the 3rd time my identity has been stolen and I been fighting trying to prove I am who I say I am and that these accounts aren't mine. I'm in the process of buying my first home and I found out a judgement is against me in XXXX county for this debt of {$1800.00} that isn't mine. Midland Credit management has the account now to collect a debt. The address on the account i never stayed at that residence. In XXXX I was staying with my mother taking care of her before she passed. I'm in the process of closing on my house for my kids and I but I can't because I was just informed of this debt someone else opened fraudulently in my name.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

The account that was in collections with Portfolio Recovery Associates was paid in full and keeps bouncing from removed from collections to new account added to collections which is directly affecting my credit score. The last time they added it back 19pts were taken from my score. I asked them to remove the acct and they told me that they do not do that. This information is false and the acct isnt new to collections. This acct is fully paid off and their information is inaccurate and false. This also is adding derogatory remarks to my report. The most recent removal and adding took place on XX/XX/XXXX18.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I have a debit with BBVA Compass and used this card on XXXX to purchase automotive repairs parts at XXXX  XXXX XXXX onXX/XX/XXXX for the total {$42.00}. 
On XXXX I returned a part that did not fit which was for {$28.00} and it was credited back to my account at {$28.00}.. BBVA claims that they credited me the amount of {$42.00} on XX/XX/2021 which they did. The problem here is the sum {$14.00} is what I would owe BBVA. BBVA is acting like I was credited twice of the {$42.00} once by XXXX and once by BBVA. That is not the case. I was only credited {$28.00} by XXXX and it was credited back to my BBVA account onXXXX XXXX as per bank statement. XXXX XXXX
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (SC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2020-06-12
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. (TX)

XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (OK)

On or around XX/XX/2023 I was approved for a USDA mortgage loan of {$100000.00} by XXXX XXXX with New American Funding. 
The interest rate would be 7.125 %, the down payment would be {$1100.00}, the seller would pay {$6000.00} in closing and a {$520.00} appraisal fee was paid to the appraisal company of their choosing by myself, on XX/XX/2023. 

Fast forward to XX/XX/XXXX, 8 days before my scheduled closing date of XX/XX/2023, I was told the underwriter would not approve the loan due to my debt to income ratio. 

Therefore, they flipped the loan over to an FHA loan with 5 % interest. 
I was told the down payment for that loan would be {$5000.00}. The loan officer advised me to apply for credit cards and to take out a cash advance up to {$5000.00}. When that option did not fit my plan, she asked me to have my father sign a gift letter since he was going to give me the {$5000.00}, on XX/XX/2023. 
She also upped the loan to {$100000.00}, based on her " ideas ''. When the seller is selling the home to me for {$97000.00}. 
On XX/XX/2023 she informed me that I needed to pay the homeowners insurance, in the amount of {$2100.00}, for the year. She stated the receipt would need to be brought to closing with me. However, the current owner still has insurance on the home. 

When the final XXXX came to me on Friday, XX/XX/2023, the loan amount was {$99000.00}, the sale price was {$100000.00} and the loan amount on the originated document was {$100000.00}, the interest rate was 7.125 %. The monthly payment was the only number lower than any of the originally numbers provided. The closing cost was {$11000.00} and the cash to close was {$7600.00}. 

These numbers consistently changed throughout the entire process. Since nothing made sense and the questions I asked were not answered, on Monday, XX/XX/2023, I sent an email and explained to the loan officer that I would not be moving forward with the loan and requested that a copy of the appraisal be sent to me. 


On XX/XX/2023 the loan officer XXXX XXXX with New American Funding called me and asked me if I was going to close on a home with {$30000.00} in equity. I kindly declined the option to move forward and asked her again to send me a copy of the appraisal. She stated she would mark my application as denied and send me a copy of the appraisal. 

On XX/XX/2023 I sent an email to XXXX XXXX, XXXX XXXX, and XXXX XXXX requesting a copy of the appraisal, again.
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-03-03
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. (IN)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights several times. 
I demand these accounts below be deleted from my report because : Under 15 USC 1681 : I have a right to privacy and did not give Equifax permission to furnish my information or my accounts Accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

And 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-03-01
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-27
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. (CA)

nothing has been resolved equifax. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more stupidity. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE idiots have blocked me from creating a generic security account at trustedid.com?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!
Consumer complaint received 2023-03-01
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. (KS)

Despite multiple written requests, the unverified accounts listed below continue to reporton my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but Inever received a response from them. These accounts must be validated in accordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will takelegal action against them. Please follow the law so that this matter can be resolved as soonas possible. XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2018-03-22
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: FIRST NATIONAL BANK OF OMAHA (MI)

Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
Consumer complaint received 2023-01-10
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. (TX)

On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX  when I applied for a {$55000.00} auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX XXXX  due to the response I received. XXXX XXXX XXXX  is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I. the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-01
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. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.
Consumer complaint received 2023-03-01
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. (FL)

I am interested in disputing all incorrect information on my credit report with transunion. all data is not valid. this is causing alot of errors on my credit report. please delete an remove the information listed asap.
Consumer complaint received 2024-03-27
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)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Re : Dispute of Fraudulent Debt Claim - Account for XXXXXXXX XXXX XXXX XXXX XXXX, Assigned Agency : XXXX XXXX XXXX XXXX Account Number : NOT LISTED Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX, and currently managed by your agency, XXXX XXXX XXXX XXXX According to the record, this account was assigned to your agency on XX/XX/XXXX, with a reported balance due of {$280.00}, an increase from the original amount of {$200.00}. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. 
Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : XXXX. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase. 
XXXX. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
XXXX. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (GA)

I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX