davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

To whom it may concern RE : XXXX XXXX Account XXXX This is the 3rd time a 3rd party debt collection such as yourself ( MIDLAND CREDIT MANAGEMENT ) has  attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. 
( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Consumer complaint received 2020-03-01
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. (NJ)

Two hard inquires are showing up on my Equifax credit report. They are both dated XX/XX/20. Neither of the named entities had authorization to pull my credit report and I want these two hard inquiries removed. I also want the personnel responsible for initiating these two hard inquiries prosecuted since this is a violation of the FCRA. The two hard inquiries at issue are : 1 ) Credit Inquiry - XX/XX/2020 - XXXX XXXX AND 2 ) Credit Inquiry - XX/XX/2020 -   XXXX XXXX XXXX I did not authorize either of these entities to do a hard ( or soft ) inquiry on my credit file. When I attempted to submit a complaint through the Equifax website, it would not accept my complaint and instead an error message came up stating that it could not confirm my identity ( so it wouldn't accept my complaint ) even though I answered all of the verification questions correctly. All of the verification questions dealt with non-existent accounts. 

This complaint should be split into two, one for each unauthorized creditor listed above ( XXXX XXXX and " XXXX XXXX XXXX '' ).
Consumer complaint received 2019-01-31
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}
Consumer complaint received 2018-02-27
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. (NY)

I filed a dispute with Experian for a collections account that has been placed on my credit report three times from XXXX XXXX XXXX because the account is fraud and is more than 10 years old, 2007 to be exact. When I disputed it the first time, Experian deleted it and then Experian immediately opened a second investigation because at that point, XXXX XXXX had placed the account on my report a second time, but today I received notice from Experian that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. 

XXXX XXXX can not verify the account as accurate because it is fraud. This/these account ( s ) stems from XXXX XXXX charging me for utility services for an apartment that I sublet briefly in 2007!, sublet not rented, not leased in my name, and no utility legitimately opened in my name. I learned via a collection account placed on my credit report a year or two after subletting this apartment that XXXX XXXX allowed the tenant who was under lease for the apartment to connect utilities in my name and thereafter attached another fraudulently opened account open in my name for another apartment 5/6 years ago at an apartment where I did not live. This fraudulent account that XXXX XXXX is attempting to collect is not one stand alone account but in fact two fraudulent accounts that XXXX XXXX has combined and is attempting to collect. XXXX XXXX can not hold me responsible for utilities that were incurred as a result of fraudulent activity. The account charges are fraud. The first of the two fraudulent accounts stems back to 2007, thus is over 10 years old, and I don't know when they allowed the second to be opened, but it was 5/6 years go. The accounts are fraud and XXXX XXXX can not prove otherwise. 

Experian has repeatedly in the past removed this account that XXXX XXXX has sold to different collection agencies from my credit report because it is fraud ( and it is now over 10 years old ). Experian can not now claim that the information is verified as accurate when it's fraud. Just because someone has my name, ssn and birthdate doesn't mean the account they opened is a legitimate account ... that's why it's called identity theft.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (FL)

This is a second debt collections reported by IQ Data International, the apartment company was called XXXX XXXX in XXXX, Florida at the time of move in XX/XX/XXXX. That apartment has since been changed to XXXX XXXX  : which they did not let any residents know about this change before hand. I went to sleep at a friends house one night and came back to my apartment complex name being changed. When I moved in the elevator was broke, I was under the impression from the office manager that parts were ordered and going to be installed in the next couple weeks, I was concerned because my apartment I was renting was on the fourth floors. I never would've moved in knowing that the apartment had no plans on fixing this issue. This was directly affecting my health because of the first incident reported above with my injuries from the car accident, suffering bad neck and back pain. So constantly going up four floors daily was gaining on me. Six months past and I could not take it anymore, I let them know I was moving out. The elevator was not operational the ENTIRE time I lived there, not for one day, which is a direct violation in FL for not keeping the property up to date with maintenance, but I still paid rent every first of the month and not ever late with a payment. I'm no longer associated with either of these addresses whatsoever. After moving out I noticed that they reported it to collections on XX/XX/XXXX of XXXX with a balance of {$3700.00}. 

I would really appreciate if these could be removed as I'm hoping to buy a house in XXXX with my now fianc, but with these on my report I will be unable to do so. Thank you.
Consumer complaint received 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp. (KY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2020-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I had subsidized and unsubsidized loans with Navient from XXXX to XXXX. When I signed on in XX/XX/XXXX it said the student loans had been paid in full. I never received any correspondence from the company again. I thought it could be part of the lawsuit where loans were being excused. Fast forward to approx XXXX my loans are now almost {$18000.00}, and were bought out by another company. So that is almost {$5000.00} more, and I was also considered in default. I do not believe this is fair! I can hardly afford the payments as is! They should not have been allowed to do this and not notify me! I work hard, and still can not afford the payments.Why should I have to pay all this extra interest and fees?!
Consumer complaint received 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

Company : Flagstar Bank , FSB. XXXX, MI Date : XX/XX/XXXX Action : - Requested a pay-off statement, to pay down the rest of my mortgage balance. 
- Received a pay-off statement on XX/XX/XXXX, valid through next day XX/XX/XXXX, which stated the amount I need to pay Flagstar Bank , FSB to payoff my mortgage. 
- Made an over the phone payment of full amount, from my bank a/c, on XX/XX/XXXX. 
- Specialist on the phone said no further action on my part is necessary. 
- My mortgage has been paid down in full. 
- Monthly auto-payments from my bank would be stopped, Further Actions, 2 months later in XX/XX/XXXX : - Received 3 calls, from collections, saying that I did not make monthly payments on my mortgage in XXXX. 
- When I tried to explain, that I can't have an outstanding balance on a fully paid down mortgage, the agent on phone said they don't want to hear about it. They need me to make a payment. 
- Received a letter, by mail, that if don't make monthly payment by end of XXXX, my a/c would be in default and subject to reporting to credit rating agencies. 
- I called customer service 3 times & explained the situation. 
- They said they can print a new pay-off. But the statment contained interest payments on outstanding balance and fees which I have already paid.
Consumer complaint received 2020-03-01
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-02-21
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. (AZ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXXBalance : {$87.00} XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

They call me several times a day but never leave a message. I called and asked them to stop. On my 10th wedding anniversary I called them and told them to stop. They demanded to speak to my wifes maiden name so I knew they had a severely old account. He gave me what I believe to be a fake name and said he was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. He refused to give me any more information than that. He also refused to ever tell me their contacting me was an attempt to collect a debt. He knew her full social security number and date of birth, maiden and married names, middle name, and current plus past addresses. 

Anyone could have provided him with the information she gave him and then been provided her full social without her consent, subjecting her to a lifetime of identity fraud. They claim Wells Fargo hired them and they are filing suit. I told them I represented her and they ignored that and demanded to speak to her. He then proceeded to insult me even though all three of us were on speakerphone, she was listening but I advised her not to speak and that really XXXX the collection scammer off and he yelled " we aren't in the 50 's anymore, she isn't your property ''. Made me exceptionally angry when I was already sick and it was our decade wedding anniversary.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX XXXX  XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2019-12-06
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. (IL)

This is formal complaint against Equifax Credit Bureau. 
For last two years I have been trying to get a FICO score from this credit reporting agency. 
However with no succes so far, and the company is still reporting me a deceased person. 
I have send 10 or more letters with copies of my current documents showing that I am alive ( drivers license, passport, car title, insurance bill, social security card, license plate sticker sheet etc. ) but so far all my effored have been ignored. 
Can you help? 
Thank you
Consumer complaint received 2020-03-01
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-05-13
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. (TX)

Equal Credit Opportunity Act says that everyone is EQUAL, I'm a XXXX XXXX  CITIZEN born HERE, you can not discriminate me and assume I'm late on my payments. Law FCRA section 60B, unauthorized and by law remove negative items from my credit and 15 U.S.C. 1666B says, 21 days or less before pay due date to mail the payment is past due, so to delete ALL late payments!
Consumer complaint received 2021-08-31
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. (NJ)

On or around XX/XX/XXXX I paid off a balance of XXXX XXXX XXXX. Then I filled a dispute with Experian and asked that they updated my account to reflect that it was paid in full. I was looking forward to seeing an increase in my FiCO score, as a result. However, I was told that the debt was deleted from my credit report in XXXX. No such deletion is shown on my credit report. If the account was deleted how did I have an ability to both payoff the debt via collection agency or submit an electronic dispute regarding the XXXX XXXX credit card? 

Experian is attempting not to fairly report my payment, so that my credit score does not increase. There is close to a XXXX point difference in my fico score with XXXX XXXX or XXXX. There are unfair reporting practices being done. It is affecting my ability to buy a home and this is my American dream and right to pursue happiness.
Consumer complaint received 2020-03-01
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-06-27
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. (KY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX