davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC (PA)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. 
Here is copy of email I sent after I was able to ID thru caller ID on my phone. 
Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? 
I say : Yea You say : Confirm your birthday and address? 
I ask who are you? 
You say I need your birthday & address I say, who are you? 
You say : Confirm your birthday and address? 
O.K I won't play you stupid phone game. 
I said goodbye & slammed the receiver in their ear. 
XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! 
SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! 
IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM
Consumer complaint received 2023-02-14
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. (MD)

I have been in dispute with this account with XXXX, Equifax, and XXXX, and it is still being improperly reported. The amount is for {$5800.00}, the date the account was opened was XX/XX/2020.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-05-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

M & T Bank placed a bankruptcy under my identity that is fraudulent on XX/XX/2022. 
This is fraudulent I did not file bankruptcy in XX/XX/2022 or any year prior. 
The payments I made to M & T Bank were not acknowledged by M & T Bank. 
M & T Bank placed foreclosure proceedings on my property located at XXXX XXXX XXXX in XXXX Texas XXXX Twice with a scheduled date on XX/XX/2022 and XXXX XXXX. 
The information M & T Bank submitted to multiple entities, concerning my mortgage is false and inaccurate. 
The payments I have made to M & T Bank prior to the foreclosure and bankruptcy submitting entities was not acknowledged.
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/year> ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Adjustments Inc (OH)

Credit Adjustments, Inc out of  XXXX , Ohio has repeatedly been told that I dispute the claim of the debt they are calling about as well as to never call my business phone number again. They call at least twice a week and have not stopped. Today I emailed them through the   XXXX   XXXX   XXXX   XXXX   the following letter ( they do not have an email on their website ). It went to   XXXX   XXXX   who is listed as the president of the company :   XXXX   XXXX     XXXX    XXXX , 2017 Credit Adjustments, Inc.
To whom it may concern, I am responding to your contact about collecting a debt. You contacted me by phone, on  XXXX / XXXX /17at my place of business. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. This notice is in compliance with the Fair Debt Collection Practices Act and you are not permitted to contact me via  XXXX  at any time in the future in regard to this matter as that is a public line and others will have access to it. I have retained two copies of this letter and will be submitting one to the Ohio Attorney General if you persist as well as the Better Business Bureau.
Thank you for your cooperation. Sincerely,   XXXX   XXXX   XXXX
Consumer complaint received 2024-03-18
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. (DE)

XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/year> However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had previously requested Bank of America to opt out all of my accounts from sharing information with affiliates and from receiving marketing offers, however Bank of America continues to send me marketing materials.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : Account Name + Account Number : XXXX. XXXX XXXX XXXX # XXXX. XXXX. XXXX XXXX XXXX # : XXXX. XXXX. XXXX XXXX XXXX # : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).. 
Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with. 
XXXX. The documentation used to verify the dispute. 
If you are unable to respond in ( XXXX ) ten days and provide the above items, delete the account ( s ) immediately from my credit report to prevent further damage.
Consumer complaint received 2022-11-02
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. (RI)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

First federal collection agencys continuing to validate an account that doesnt belong to me despite my request for validation. The company never validated debt to me but continues to validate this account. Im going through paperwork and just notice that other bureaus removed this debt but its still reporting on equifax. Ive attached documents
Consumer complaint received 2021-07-30
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: Troy Capital, LLC (NJ)

The originally lender XXXX XXXX who I initially was in debt with, sold company to Troy capital who then continued to keep the credit inquiry active when it shows the account was charged off from 2015 which is over 6 years old by now. The original lender who I was contracted and financed through aka XXXX XXXX passed this to troy capital who continues to hold this debt and injure my credit when it has been charged off for six years and solidified.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a collection listing on my credit report that I have NO IDEA why they are reporting! 
This is not my account and I need it removed asap! 

XXXX XXXX XXXX NOT MINE 2. US Department There are 4 XXXX Loans listing. These are my loans. However, I have NEVER been late. I am on auto draft for my payments and as you see I make every monthly payment. 

a. The dates on my credit report that are showing no payments is because ; The interest-free student loan payment pause, known as forbearance, began as an emergency pandemic measure in response to the COVID-19 pandemic in XX/XX/year> under then-President XXXX XXXX. It was eventually extended nine times over the course of three and a half years.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

This account does not belong to me as this is a result of identity theft which has been reported already. I do not recognize this merchant nor have I ever done business with this merchant. I keep getting harassing calls from this Merchant or debt collector. The debt collector did not also follow the lawful process of sending formal mail to my address before initialing calls.
Consumer complaint received 2022-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Mortgage payments include money held in ESCROW to pay Home Owners insurance, Real Estate ( Property ) Taxes, School Taxes , County and Local Taxes. Over the past several months, when taxes are due to be paid, Citizens Bank transmits the various payments through a second and third party to the respective government Tax Agency. 
Within this process, the PIN ( Property Identification Number ) becomes changed or altered when it reaches the respective Tax Agency. When the various Tax Agencies are unable to identify which property to apply the funds against, they return the tax payments to Citizens Bank.

Citizens Bank refunds the " TAX REFUND '' as a credit to the mortgage Escrow Account from which it was drawn. NO FURTHER ACTION BY CITIZENS TAKES PLACE. When I receive the next months Statement, I immediately call Citizens Tax Department in XXXX, Tx and might actually speak to a live person. To those employees with whom I have spoken, They seem to feel they have paid the taxes and ask if I want the refund. They don't try to correct any issues or determine why they get a refund. In XXXXXXXX XXXX, the statement shows a " Refund of {$110.00} ''. A City Tax payment was made in XX/XX/2022 for the same amount. In XX/XX/2022, the County Tax was posted for {$970.00} and returned in XXXX to Citizens because the PIN did not match my property PIN. When I called the Citizens Tax Office, the woman I spoke with asked for my PIN. She said their records were different and that's why the taxes were returned. She corrected the PIN but did not resubmit the taxes to be paid again. In the Citizens mind, they paid my taxes. When in actuality they placed me in " PENALTY '' phase and if not corrected and paID BY XX/XX/XXXX, my HOME WOULD BE SENT TO A tax sale.
Consumer complaint received 2022-11-02
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. (MD)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX. XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXX XXXX about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card