davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (HI)

No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXXmo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.
Consumer complaint received 2020-06-12
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is a demand for financial compensation due to erroneous reporting and failure to prevent erroneous reporting after the information was provided in detail regarding the inaccuracy of the reporting. 
I have just suffered the inability to receive an extended offer of credit due to this relationship between XXXX  and XXXX, through which the passing of data, unverified through a system, has violated the rights provided consumers to fair, accurate, factual reporting of consumer data. 
XXXX, after being provided with proof and factual information and evidence of inaccurate information being reported on my credit file ( See XXXX XXXX XXXX XXXX   and XXXX  Deletion Demand.. attached as examples ) and has replied with a templated response each time. Although after each response, details of the information in my credit file were modified, yet, closed by XXXX  as verified as accurate by data furnisher. I have requested information regarding what the creditor has provided to verify the account from XXXX  how the conclusion was made. 
The account in question is now, once again, being reported very inaccurately and I have demanded the account be deleted from my credit profile. After years as being reported as closed and Charged Off, on XX/XX/2020, my credit report was updated and my credit score took a significant dip as XXXX, again, inaccurately reported this account as Open, 180 days past due, and with a $ XXXX monthly payment ( see XXXX attached ), when on XX/XX/2020, the account was reported as Closed, Charged off ( see XXXX attached ). 
Again, by law, this reporting is prohibited and, given that I have repeatedly advised XXXX  of this inaccurate reporting, XXXX   and has gained financially from the data furnisher as a paid client over the integrity of the service it is required by law to provide. 
I have requested on several occasions that XXXX  remove or properly verify an account on my credit profile. Each time the request was made, without any additional information provided to me as proof, XXXX has simply updated and closed each investigation as verified as accurate by data furnisher. 
I have no relationship with XXXX, I have no account with XXXX, I have not engaged in any actions to provide XXXX to conduct this non factual and fraudulent reporting. 
Given the numerous times Ive given to correct and perform as required, and the failure of these organizations/ corporations to do so, XXXX  and XXXX must delete this information and compensate me within 15 days of receipt of this request. 

Cc to Equifax and XXXX  if they fail to comply as well.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-04-11
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 had previously submitted a complaint to XXXX XXXX in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with XXXX XXXX an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.
Consumer complaint received 2020-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Due to Covid 19, I am unable to pay my mortgage. We do not have enough money coming in to cover the mortgage and maintain my family. I apply for a forbearance Plan however, this will compile four month of payment at the end of the forbearance Plan. I live in XXXX XXXX XXXX, according to the governor, XXXX XXXX, the three month will be added to the end of my long. This is not what Roundpoint is offering. I am afraid that in XXXX, I will not be able to pay over 10,000 in mortgage payments. This is what they are stating on there website, At this time, Investors and Insurers are providing temporary relief for those financially impacted by COVID-19 through temporary forbearance plans ( a suspension of your monthly payments ). We will update this page and notify our customers as the Investors and Insurers release additional relief programs. 

Click below to request a temporary COVID-19 Forbearance Plan. 

https : //www.rpmservicing.com/coronavirus Please help me resolve this issue and insure that my home is secure.
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC ()

Already a month ago, I tried to purchase 2 XXXX on XXXX. The seller told me to make the transaction throw Zelle. I sent XXXX dollars in 2 different transactions. One throw XXXX XXXX and one from XXXX XXXX. The seller sent me a package but they were empty with no phones insde. I already contacted the 2 differnet banks but they have not be able to do much more for me. 

I alrdeay filled a report to XXXX police and one to FBI for fraud and scam. What I can not understand is how this people who scammed still are scamming other customers using zelle. And zelle do not take actions on it.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a XXXX  XXXX XXXX and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXX XXXX sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.
Consumer complaint received 2024-03-23
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. (OH)

I WAS NEVER LATE ON THIS ACCOUNT I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Consumer complaint received 2023-01-06
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. (TX)

I have filed a Identity fraud report with identifytheft.gov, I have attached the submitted form. 

I have sent dispute letters and proof of account responsibilities letters to Experian Dispute Center.

Experian are completing my disputes without sending me verifications that the following collection accounts belong to I.

Experian has violated my rights.

15 U.S.C 1681 Section 602 A. States. I have 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.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where MEADE & ASSOC is in compliance with OHIO LAW 1319.12 O.R.C. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC claims I owe a debt in the amount of {$950.00} to Midland Funding LLC via XXXX XXXX And XXXX. 

Upon research of Midland Funding LLC, it appears the company IS NOT authorized to collect money or debts in the state of Georgia where I reside. This is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692. 

There was a legal claim against me. I dont know who this company is. Also, 80 % of the submitted documentation has been blacked out. It shows purchasing of multiple accounts from Midland Funding with my information simply added into a different, attached document ; not otherwise related to one another. Also within their Exhibit 4, there is no signature or other proven agreement stating ANY of these are in fact, my accounts with XXXX XXXX, XXXX, XXXX or Midland funding LLC. Additionally, I HAVE NOT BEEN PROVIDED proof that there is ANY agreement between myself and Midland Funding LLC. This is a CLEAR violation of The Consumer Protection Act and the FDCPA. 

The actions from Midland Funding to collect said debt via civil suit, letter, and calls are harassing, aggressive, deceitful, and continuously causing undue stress and constant paranoia every time my phone rings with an unfamiliar number or a stranger comes to my place of residence. Further correspondence from Midland Funding LLC will result in me taking legal action against Midland Funding LLC for violation of the Fair Debt Collection Practices Act, the Servicemembers Civil Relief Act ( SCRA ) ( family member ) and will seek all available damages and remedies.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed my credit report and saw a bankruptcy on my report. I disputed this as inaccurate information and asked for proof of confirmation which I never received. I have never filed bankruptcy and never lived in SC. I am the victim of identity theft and had fraud alerts placed on my report. I have disputed this countless times to no avail and this is causing me financial stress and hardship. I disputed and had removed from other bureaus but XXXX  and Transunion is still reporting inaccurate information.
Consumer complaint received 2020-04-11
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. (GA)

thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks
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: Experian Information Solutions Inc. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX  & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

In XX/XX/2020, I applied for a mortgage loan. I was told I did not have an Equifax score. I found this odd but didnt think anything of it. In XX/XX/2020, I applied for a car loan and was again told I did not have an Equifax score. 

I do not have any other details but would like for this to be fixed. I have no Equifax score or file.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-11
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: Experian Information Solutions Inc. (MO)

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (CA)

XX/XX/2020 no payment due covered under Covid plan no payment due for multiple cycles then reduce to $ 20 monthly thereafter XXXX and XXXX corrected several times now and its back again which cost me another XXXX for no reason XXXX no clue why they are still being or what did as I only ever used the account 5 times and returned 3 of the 5 their continued deceptive billing practice is causing significant issues
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I joined Experian as a member. Experian showed my score as a FICO 8 score. I thought it was high enough to apply for financing for a mortgage. The mortgage said my score was much lower. I called Experian and they said that is because the mortgage company uses FICO 2. If I would have known THAT SCORE, I would not have been so quick to apply for a loan. This needs to be more transparent and consistent. Use one scoring model for all financing. I know have inquiries on my credit report simply because everyone is using a different model and not being upfront with what your true score is.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.