davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Address of credit reporting company XXXX XXXX XXXX XXXX XXXX, TX, XXXX Dear cfpb, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1- Unknow or Invalid collection account on my credit report FAIR COLLECTIONS & OUT has flagged your account as Collections on XX/XX/XXXX. 
Source : XXXX XXXX : FAIR COLLECTIONS & OUT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX ) Balance Date : XX/XX/XXXX Balance : {$420.00} Dispute Report Number : XXXX Dispute Account Number : XXXX Explanation of item being disputed : At first, after 180 days, the original creditor XXXX XXXXXXXX had already charged off this amount from their books for a tax loss and contacted the insurance company about this loss. Original creditor sold off their charge-offs to the collection agencies ( FAIR COLLECTIONS & OUT ). From a legal perspective, I never made a legally binding contract with collection agencies. For this reason, I am not obligated to any collection agencies or I should have the responsibility to pay these debt collectors. 
Secondly, you can find my certified mail receipt ( showing proof that an item was mailed ) and return receipt ( verification of delivery was made ) in the attachment. ( Page 5-10 ). The collection agency had only contacted me on XX/XX/XXXX and XX/XX/XXXX. After I send my 2nd dispute letter, they never sent me any following up emails. After I received their mail, I sent my dispute letter to them on XX/XX/XXXX and XX/XX/XXXX. ( Please find my dispute letter on Page 3-4 ). I stated my point very clearly in these two dispute letters. If the collection agency can provide me with any valid and legal evidence that can show that I owe this debt, I will pay for this amount. Unfortunately, they failed to provide valid and legal evidence. After XX/XX/XXXX, I havent received any letter from them until XX/XX/XXXX. They put the collection record on my credit report and cause my credit score to decrease to XXXX. 

On XX/XX/XXXX, they did send me the evidence but it is not valid, please refer to my XXXX dispute letter ( on Page 4 ) as a reference. The official document that they sent to me does not have a legal effect since both parties do not sign the document. The document does not have my written signature so it does not have legal effect to indicate that I owe the debt. ( Page 11-13 ) If everything that I said was correct and valid, please remove the collection record on my credit report and recover my credit back to the original standpoint. 

Thank you for your assistance and looking forward to hearing back from you.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2018-05-04
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: ALLY FINANCIAL INC. (MI)

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off my credit report.
Consumer complaint received 2018-05-04
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: Exeter Finance, LLC. (MI)

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-05-05
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: WELLS FARGO & COMPANY (GA)

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

received a call the persons relayed they were from " EXPERIAN '' and relayed that two people had tried to apply for credit cards in my name -- had all my info on the credit cards I, have what I, owed everything -- tried to contact " '' EXPERIAN '' '' with no response was given XXXX different numbers still -- the message was we can only forward call on a limited basis this is a total disgrace for a bureau they should not even be in business of reporting if the customer are unable to reach them in an emergency -- -this call was " '' FRAUD '' '' pure and simple and " '' EXPERIAN XXXX failed to respond in an " '' EMERGENCY '' ''
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian about fraudulent accounts on my credit file for months. They have refused to delete these accounts. I have been a victim of identity theft. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

Accounts & Accounts Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts should be on my credit file. I mailed a complaint letter to Experian with an attached FTC identity theft report on XX/XX/. Experian refused to comply with my request. This damaging my credit file.
Consumer complaint received 2022-07-28
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (OH)

1st issue Wrong Pay Office Information Given by XXXX In 2022, XXXX gave me a Reverse Mortgage Payoff. 
This was for a Reverse mortgage for XXXX XXXX XXXX, XXXX Loan # XXXX totaling {$25.00}, XXXX ( RMF Payoff XXXX page XXXX ) This included wire instructions to XXXX XXXX, Acct # XXXX & Routing # XXXX. ( RMF Payoff XXXX ( page 2 ) I wired the money & called XXXX XXXX & they said that the Account no longer exists & its incorrect. When I mailed email XXXX they didn't reply. ( Email Confirm of XXXX  ( XXXX XXXX ) It seems that after calling the bank & no reply from XXXX, I was given false or misleading pay off information & I wired the money to the wrong place.

2nd Issue - Overcharge of origination Fees is according to the Origination Fees on page 2 of 5 HUD-1 form. XXXX XXXX was over charged {$140.00} in origination fees. The HUD -1 Original Fees was {$2600.00} instead of the maximum allowed amount of {$2500.00}. XXXXXXXX XXXX home value was only {$40000.00}. 
( CFPB Complaint XXXX XXXX XXXX ) " The origination fee covers a lenders operating expenses associated with originating the reverse mortgage. 

" A lender can charge the greater of {$2500.00} or 2 % of the first {$200000.00} of your homes value plus 1 % of the amount over {$200000.00}. HECM origination fees are capped at {$6000.00}.
Consumer complaint received 2023-07-10
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. (TX)

This is my first 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$780.00XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$7300.00} XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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: NAVY FEDERAL CREDIT UNION (FL)

Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. 
XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. 
XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. 


I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. 

XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. 

I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

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, all accounts that 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 verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX  XXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- XXXX XXXX XXXX XXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX