davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00}
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there was things on my there I have never seen. These items need to be removed immediately. 

XXXX XXXX {$9000.00} XXXX  XXXX {$4600.00}
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems (DE)

I was told by this collection agency that this was my XXXX 's credit card. I told them that was impossible as I was working with XXXX XXXX as a debt consolidator and that my XXXX 's card balance of {$8900.00} was being settled with them. They were verbally abusive on the phone and I gave them the phone number of my consolidator to deal with the situation numerous times. They stopped calling. XXXX/XXXX  is how the Closed Paid account shows. XXXX verified 100 % that this was the same XXXX 's card ( the only one I ever owned ) closed XX/XX/XXXX and opened XX/XX/XXXX. Midwest recovery shows Opened XX/XX/XXXX from XXXX XXXX XXXX for {$8900.00}. I am not sure how they are able to try to get the same money from me for the same account but this is not a new account opened in XX/XX/XXXX. I would never have qualified for this amount in XX/XX/XXXX due to my debt consolidation. This was harassment, and possibly identity theft or at best an account sold to 2 different collections agencies. It is paid and done. I need to get this removed as I have done everything including advise them who to contact.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

My house had water damage on XX/XX/2019. The insurance company has released money to Flagstar bank to be monitored and disbursed for the repair of my house. Flagstar has only released money to give to the cabinet makers and will not release any additional funds without an inspection to verify work is complete. They will not release any funds for me to give a contractor to start the work- repairs. I have requested multiple draws so that I can move forward and now I am at a standstill. I have the fear that my house will go into foreclosure and I will run out of ALE fund to live on from the insurance company.
Consumer complaint received 2020-03-23
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2022-12-28
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. (GA)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-28
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)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing purchased my mortgage. The year of XX/XX/2019 funds were being escrowed for taxes and insurance. At the end of XX/XX/2019 the company did not pay my property taxes. I did not know this until I got a past due bill with penalties from the County. I called them. They said that they dont escrow. When I finally got through to them that it was the XX/XX/2019 taxes that were due, I got the run around about the escrow account. The amount due is {$16000.00}. 
I was told that the check was mailed XX/XX/XXXX. 
Then I was told it was cut XX/XX/XXXX but mailed XX/XX/XXXX. 
I still have not received the check for {$16000.00}. My XX/XX/2019 property taxes are still not paid. 
This is theft.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Collections agency was contacted several times, and affidavit has been filled out for removal of debt. Collector agreed to ignore the contact from the party, and specified that this debt is for someone with a similar name. The debt is from XXXX  and was living in XXXX  at the time. I have submitted a copy of my drivers license as well.
Consumer complaint received 2022-12-28
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: CAVALRY INVESTMENTS, LLC (SC)

I sent several letters to Cavalry Portfolio, XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Consumer complaint received 2022-12-28
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. (MN)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-12-28
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. (LA)

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 from my report or provide proof in writing within 30 days.
Consumer complaint received 2022-12-28
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. (MN)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

I've been affected by the current pandemic at hand and there's no way for me to make money if I can't even leave my house. I'm currently in lockdown in New Jersey with no way to pay for this personal loan because I have little to no income right now. 

I called TD Bank hoping they would somehow alleviate my situation, but all they offered was a week extension of my due date. This was changed from XX/XX/XXXX to XX/XX/XXXX and this action took place on XX/XX/2020.
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (FL)

I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2023-05-06
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)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

- Within 30 days of closing XXXX told me that not using their lender would cause the purchase agreement price to go up XXXX even before appraisal was done - XXXX also did not give me an option of purchasing a loan without PMI, said it was absolutely not possible to have a loan w/ less than 20 % down to not include PMI forcing me to choose a product I did not want - Before we signed the contract XXXX Sales Consultant , XXXX XXXX , told me that we can use any lender with only losing the XXXX incentive in closing costs
Consumer complaint received 2020-03-23
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. (AZ)

I filed a complaint with CFPB related to a wrong credit report of XXXX  XXXX XXXX XXXX report # XXXX-XXXX and Equifax report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from XXXX XXXX XXXX XXXX. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX  on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while Equuifax and XXXX have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to XXXX  report XXXX and Equifax report XXXX. I do not understand how information are sufficient for XXXX  but NOT for XXXX  and Equifax and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with XXXX  and Equifax while the score with XXXX  was sufficient for the refinance process.
Consumer complaint received 2023-12-08
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. (VA)

This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2020-03-23
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: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company Midland Funding, LLC. I sent a validation letter to Midland Funding which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to Midland Funding still has not been properly validated. As of XX/XX/2020 Midland funding continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding Midland Funding LLC had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Consumer complaint received 2020-03-23
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (GA)

Spoke with someone name XXXX, she refused to allow me dispute the bill, when I ask speak to a manager, she raised her voice at me and told me no.. i demanded to speak with someone else she cursed mea out and hung up the phone on me. I called back pressed 1 and got her on the phone again. she told me to pay my bill and she wasnt transferring me to anyone,, i asked her last name she told me no and I told her was gon na record the conversation she said that she from Maryland and she don ; t have to have her call recorded and kiss her XXXX and hung up
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}
Consumer complaint received 2020-03-23
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: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-03-23
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.