davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I received a threatening letter from First Point Collection Resources Inc to put a debit in the amount of XXXX on my credit report I didnt recognize, this debit had already been removed from the original collection agency as I had also requested validation for the debit that they couldnt provide. I then sent the same Debt Validation Letter to First Point Collection on XX/XX/XXXX, they received the letter on XX/XX/XXXX. The letter requested. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a letter back from the company on XX/XX/XXXX and none of the requested documentation was in the letter. Included in the letter was a print out from a website, that include my name & the account in which they are saying is mine and the charges. This letter doesnt include a letter head or anything on where its coming from so for all I know they could had made this letter in they office. I then called and spoke to a man who stated that is all they had to provide to me to show validation, I let him know that a lawyer would be in contact due to the fact the requested documentation wasnt received and the debt validation stated Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. The agent became very disrespectful after he stated he couldnt continue the call with the lawyer & disconnected the line when I continued to question why I wasnt allowed to have this information if they are saying this is my debit.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (PA)

I previously disputed this account that someone obtain in my name asking to verify that this account belong to me. This company still have yet to do so I have made numerous complaint with information verifying my identity this company has yet the give me and information proving this account belong to me please help me. thanks again
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I recently looked at my credit reports and noticed a collection on there from a collection agency known as ARS account resolution. The original creditor name is XXXX XXXX XXXX XXXX NY and the date assigned is XX/XX/XXXX, The date of the first delinquency is XX/XX/XXXX. The amount owed is {$740.00}. I have never used this medical location and don't know how they got my information. Also there is an address on my credit report that does not belong to me, XXXX XXXX XXXX, XXXX, NY XXXX. I contacted the collection agency and they said that there is someone else 's birthday that was not matching mine. I contacted XXXX and XXXX and they said the file a dispute through the CFPB.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete  information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a XXXX party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court.  None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved asap!
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I contacted Equifax on XX/XX/2020 in order to try and remove my security freeze. I was on hold over 1.5 hours and no one answered. I am currently on hold 1 hour and 40 minutes. My online account is locked and they refused to unlock my account even though I verified my information. I asked the representative to verbally asked me the questions because the automated voice is hard to understand, which probably caused me to probably be red flagged. The agent refused. I faxed my request and also mailed my request. This is ridiculous because I'm sure it's not that many people calling to unfreeze their accounts.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA REFUSES TO RESOLVE TRANSACTIONS OF 
XXXX XXXX - XXXX XXXX   FOR TWO YEARS NOW see Attatched USAA statement XXXX XXXX transactions card end XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TOTAL XXXX DUPLICATE TRANSACTIONS XXXX XXXX XXXX  card end XXXX   TOTAL XXXX 2XS ????
Consumer complaint received 2024-03-18
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-30
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. (CA)

On XX/XX/XXXX someone committed ID fraud and opened a bank account with XXXX XXXX XXXX. The company details from this hard inquiry on my credit report are : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, VA XXXX XXXX. 

On XX/XX/XXXX XXXX  submitted a Credit Bureau Dispute to Equifax to remove the hard inquiry from my consumer credit report, due to ID theft. 

On XX/XX/XXXX this inquiry was still not removed. 

On XX/XX/XXXX I filled an online dispute with Equifax and this was reviewed, their response : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : Equifax Info Svcs., XXXX XXXX XXXX, XXXX , GA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I tried calling Equifax for the past few days during business hours, was on hold for 2 hours, was unable to speak to anyone on the phone about this. The website also doesn't let me further dispute or give them more info or documents. 

I messaged Equifax on XXXX and also didn't receive a response there. 

I'm trying to refinance my home and this is hurting my credit score.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WI)

I received the original letter from Planet Lending and initially was concerned that the Homeowners Policy had been cancelled when we refinanced. I called XXXX XXXX XXXX and they verified that I still had the Homeowners Policy and that it was current and that we had never had flood insurance on it since Ive owned it since XX/XX/2008. I then called Planet Lending customer service and they said they would look into it and get back to me. When I didnt hear back after a week I called them and was on hold for over 20 minutes.. I never heard back until last week when they sent me another form letter which mentions nothing about what they found out. Today I got ahold of customer service who said she saw the notes from the previous call and that it shows the cottage is in a flood plain. She was not able to answer when that was changed and she gave me the number for FEMA and told me to contact them. And that I had 45 days from the date of the original letter ( XX/XX/XXXX ) to get flood insurance or they would do it for me. I asked for an extension to get this figured out and she repeated what she had just said. Very unhelpful! I then called the FEMA number she gave me and the woman with FEMA said she had received several calls like this and she honestly did not know what to do with the call as the number was for disaster assistance. Im getting the run around and there is no way my cottage at XXXX above the lake on a cliff is in a flood plain. They want to charge me over XXXX on flood insurnace which is not needed. I have tried with no luck it seems like customer services doesnt care and wont help.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. This account is already closed. This is in violation of FDCPA Section 805 ( a ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, I asked Wells Fargo Bank to look at re-structuring my mortgage loan. I had enough equity in the house to pay the balance and wanted to access said equity to pay off my loan. ( I have been XXXX   XXXX since XXXX. ) The very first time I was ever late on any loan payment. 
The Wells Fargo would say they would send me a form and I wouldn't get it.. They played games with due dates of documentation, etc ... .They would change principal points of contact so that no one ever seemed to know why I was asking for help. 
I finally decided that I would not physically be able to maintain the property, and Wells Fargo was stretching me out. I sold the property in XXXX of XXXX and we closed, paid off Wells Fargo on XXXX XXXX. Wells Fargo is reporting that they started foreclosure proceedings on XX/XX/XXXX. I had already moved out. I never received anything from Wells Fargo saying they would/would not restructure my loan. I never received anything from Wells Fargo saying they wanted to foreclose. They are negatively reporting credit information, preventing me from buying a new property.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I am hearing horrible things about this company and do not want to be a victim of predtatory lending. 
I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. 
This company is a scam and the looophes they work by hurt the consumer tremendously. 
Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams
Consumer complaint received 2022-04-13
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)

My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft. There are accounts from XXXX XXXX and XXXX XXXX neither of which I have ever used or had in my life. There is also something for a XXXX company also never even heard of this company. Please assist me in getting this matter handled to the best of your ability thank you so much in advance.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

U.S.C. 1681b section 2 - XXXX XXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-03-30
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. (MS)

XXXX ; Experian and XXXX are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX ; XXXX XXXXnd Transunion are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX UNIVERSITY {$730.00} XXXX {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX {$460.00} XXXX XXXX BANK XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX  {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B