davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in Experian, XXXX, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with XXXXXXXX XXXX XXXX. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, XXXX, and Experian does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of XXXX Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX  claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.XXXX  has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the XXXX  Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I made a payment to XXXX Visa credit card ( XXXX XXXX XXXX. XXXX   XXXX XXXX, NE XXXX ) in the amount of {$2500.00} utilizing XXXX XXXX, check # XXXX. check was written on XX/XX/2020 to FNB OMAHA XXXX XXXX XXXX NE XXXXand cashed on XX/XX/2020. This amount was NOT credited to my XXXX Visa account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. A copy of this cashed check ( front and back ) was faxed to XXXX Visa FAX # XXXX on XXXX and AGAIN on XXXX. I called XXXX Visa on XXXX and XXXX and tried to talk to a supervisor or the accounting Department and was denied. At this time I'm being charged interest on the {$2500.00} and was informed this would not happen when I spoke with a XXXX Visa represetitive on XXXX My XXXX Visa Acount is under the name XXXX XXXX XXXX XXXX  may have put my name as XXXX XXXX XXXX Visa was told about this but XXXX XXXX had all of my account iformation correct, they have cashed the check and will not credit my account, I re-financed my house to pay off this credit card and several other things so that $ $ $ was meant to pay off the card. 

PLEASE HELP XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2020-08-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, Equifax, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with International Paper Mill. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, Equifax, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of Equifax Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX  XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX   claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.Equifax has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the Equifax Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with Capital One Bank ; the amount owed was {$25000.00}. 

I tried several times to explain to XXXX XXXX XXXX the situation, but they continued to send me collection notices. 

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).
Consumer complaint received 2020-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XX/XX/XXXX in your response dated XX/XX/XXXX Bayview XXXX CFPB XXXX XXXX Requests for information. 
XXXX ( e ) ( 1 ) ( i ) A, B Notice of Error 1024.35 ( e ) ( 1 ) ( ii )  Different or additional error XXXX XXXX you state your records reflect that on XX/XX/XXXX a disbursement of {$1000.00} was sent to Family Sec/State Farm for hazard insurance XXXX effective XX/XX/XXXX through XX/XX/XXXX copy of the invoice is enclosed for reference once again you send 25 documents WOW voluminous for such a simple question, i understand Bayview trains its employees to send lots of documents, irrelevant documents, wasteful documents, documents that have nothing to do with the questions asked, and i will keep asking until you answer my questions, send documents as required by law to support your statements tell me the outcome of your investigation with supporting documents make the adjustments necessary send me documentation that you made the adjustments as required by law, you, Bayview can say as it has, Mr XXXX asks so many question, Mr XXXX has sent over 20 letters to Bayview, we have already answered those questions, but i will continue to ask until you comply with the law, please look up Bayviews responsibility under Notice XXXXf Error, Bayviews responsibility under Request for Information, Bayviews responsibility under Qualified Written Request The  statement you provided is FALSE. 
Of 25 pages NONE include any evidence of your claim in your response. 
1-send a copy of the two letters required by law you sent me before you purchase any type of insurance, your a perfect example of why CFPB had to create these guideline. 
2-please send the letter that you rec 'd from Family Sec/State Farm showing that the policy had expired was canceled or was unpaid on XX/XX/XXXX 3-send a copy of the policy you purchased send a copy of the canceled check showing you paid this policy 4-were you unaware the homeowner already paid for homeowners on XX/XX/XXXX? 
And no blah blah blah, our records indicate, blah blah blah, according to your mortgage agreement blah blah blah. Try to answer the questions i ask because i will continue to send letters until you answer my questions and provide documents, more documents, and documentation for all your blah blah blah.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE (MI)

Velo Law is claiming I owe a debt to a place I have never even visited for a purchase I never made. The items purchased were not items I own nor have I ever been in possession of and the address ( Hazard/Hazzard ) used by the person who purchased these items I have never lived at. My name is a very common name and my identity has been stolen before. When I requested proof of my signature for these purchases and a list of what was purchased it was never provided. I was just told it was proven to be my debt but I was never given proof as to how they came to that conclusion. I want this debt removed from my credit report because it is not mine!!!!
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Wellsfargo Bank NA/XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX received an order to withhold money from my account from XXXX  XXXX XXXX. Wellsfargo violated my rights because the property that was withheld is exempted under state & federal law : # 7 Veterans benefits ( 38 U.S.C 5301, 42 U.S.C 659 ( a ). Order to withheld was never served as required by law causing financial hardship.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 08 XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Company Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Debt does not include my name! Attempted to resolve via phone contact several times after they repeatedly called asking for the wrong person. The harassing calls I received began on my end XX/XX/2024 and still. They have added a false alias to my credit report which Ive never heard of which is also the nake they state when calling me.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian several times regarding this issue and they will not remove the inaccurate information from my credit report. Listed are two Bankruptcy that does not belong to me. Experian claims that they have " Verified '' the items as accurate, with the United States Bankruptcy Court. I contacted the US Bankruptcy Court and spoke with XXXX ( Chat ) attached. She stated that they do not report information to the credit bureaus and that there was a separate company by the name of XXXX that Experian is using to obtain information.XXXX  is not listed as " Information Furnisher '' as well, full social security numbers are not provided for public use by XXXX. How did Experian " Verify : this information if none of the address information matches my credit report and they do not have a " Full Social Security Number to confirm this even belongs to me. With this said there is Reasonable Cause to believe this information is inaccurate reporting on my credit. Because I have made Experian aware of this, and they continue to report, they are willfully and KNOWINGLY reporting inaccurate information on my credit. Attached is my, Driver License, Social Security Card, Chat Transcript for US Bankrupcy Court, and Utility Bill in my name. All documents that was also forwarded to Experian. I am submitting this complaint because, Experian claim to have Verified, Unverifiable information. This is against the law. I need these items removed from my credit promptly.
Consumer complaint received 2020-08-06
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. (FL)

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports XXXX XXXX  {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet
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: EQUIFAX, INC. (GA)

This is my NUMEROUS 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
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TN)

I am being sued for {$2500.00} from Midland Credit Management for an account from the Original creditor : XXXXXXXX XXXX .I have recieved no phone calls about this account and i have changed addresses so i have not recieved any mail about this account.The first i heard about it was when i was served a court summons. I am living on XXXX payments and have no other source of income.I do not own a house or property and have no savings so there no way i can pay this.Now they sent me a court summons to appear in court on XX/XX/2020.