davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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. (GA)

XXXX XXXX is supposed to be deleted has been stated on a previous complaint but still showing on credit report as open. 

XXXX is supposed to be deleted in which it has been stated on a previous complaint but still showing on my Equifax, report as open. 

XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the account. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, Equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX account is too old to be on credit report and it was disputed and declared as deleted
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group (CO)

My complaint submit : https : //XXXX.consumerfinance.gov/XXXX  1. Friday,  XX/XX/XXXX, XXXX MT, message received from XXXX XXXX ( XXXX ), caller id XXXX. 
He was hard to understand from the message. He purposefully mumbled his name. 
Said he was from " Northwood ( garbled words ) ''.  This incoming message is still on my voicemail. 
XXXX said in his message that he was conducting a background check on a person I knew. 
He left a call back number which was nine digits, " XXXX '', later I discovered he neglected to speak the first digit, the real number is XXXX. He said he was conducting a background check and needed to ask me some questions and please call him back. At this point calling him back would not be possible because he gave me a partial number. 
2. I was concerned, annoyed, and curious. So I did an internet search, not much luck. 
3. I called the number of the callerid from the first call, XXXX, and spoke to " XXXX? ". 
I asked about the call I received from " XXXX '', she said I must have the wrong number, and that they do not do that sort of thing. I asked her what her company was, she hung up on me. 
I did not have the wrong number I called the number that called me. 
4. I called back, same number, XXXX. AFter a few beeps and dead air, I was transferred to XXXX. 
XXXX confirmed he called me, his name was XXXX XXXX, not " XXXX '', corrected his return phone number was XXXX. He started asking questions. I told him that he called me, that he knew my name and phone number, and that I will not answer any questions until I knew a little about him. I asked him what kind of " background check '' are you doing. 
He said " I am going to end this call now '' and hung up. 
5. Slowly I figured out they are a collection agency pretending to do " employment background checks ''. 
Website https : //northwoodassetmanagementgroup.com phone XXXX. 
When I called this number, the person who answered was a third new voice I had not talked to yet. 
He immediately knew who I was before I spoke even though this was a new number and a third person unknown to me. He must have gotten my information from my called id. 
He insisted I tell him everything I know about a person I care about. 
I asked him if he was a debt collector or a government agency doing a background check. 
He did not answer. I asked him to repeat his name. He said hold on a second and hung up.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WA)

On XX/XX/30, I attempted to resolve a debt, {$7400.00}, with National Credit System. When I called, they stated that the calls were recorded, quite clearly. I spoke to a gentleman who said his name was XXXX XXXX. He stated that my debt was {$7400.00}. I then asked if we could compromise for an amount of {$6500.00} and make payments. He refused. He said it would have to be a lump sum payment. I told him that we do not have that type of money. This is a refusal. 
He then offered {$4500.00} if it were a lump sum. I again, because he is so special, told him that we do not have that kind of money laying around. 
Then Mr. XXXX stated that even if I make payments to them that it does not get reported to the credit beaureaus at all unless its paid in full. Then Mr. XXXX stated that my " Rental Bureau '' report would not show anything of payments unless its paid in full. This is false statements and economic terrorism. 
XXXX  shows payment history on their site for this particular debt, as does the other bureaus- XXXX  , XXXX  . This company shows no payments being made for each and every single month since the debt was placed with this company. Economic destruction threats. Statements made by Mr. XXXX. 
This company is allowing their employees to coerce and make false and misleading statements to consumers. According to their own intake call messages, all calls are recorded. I attempted to negotiate in good faith. I explained that I could file bankruptcy instead of making an offer. He was not swayed and refused to work with me in any tangible way. 
The complaint against this company is that the person, I believe used a false name as it was, made false statements and representations in a bad faith attempt at collecting a debt. 
I made a {$20.00} payment to see if I even get a receipt to prove payment. Still have not gotten a receipt, at all, to which Mr. XXXX stated would be received. 

Then this company first shows a {$11.00} fee, a " convenience '' fee, to pay by debit card. Then when you run the card, it charges you {$4.00}. Why am I being charged for running a card even? 

In closing, this company and its representatives are fraudulent in their statements and can not be trusted to follow the laws as outlined.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received an email saying a new bankruptcy was added to my TransUnion credit report the email was from today at XXXX I will also be contacting TransUnion about this error as I have only filed once in 2017.
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 — Account status incorrect
Company: Fay Servicing, LLC (CA)

I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.
Consumer complaint received 2019-12-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

There is an account with Commonwealth Financial showing for some type of medical provider a XXXX XXXX XXXX and I have not had any type of medical emergency in over 7 or 8 years. This is not mine and I have no idea why it would be listed on my credit file.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I just found out recently that a Capital One credit card was opened in my name back in XXXX. It appears they did try to collect the debt but gave up and finally wrote it off. I didn't know about it until I tried to get a car end of last year XXXX and the auto dealer pulled up my credit. The reason I didn't know about it was because whoever opened the account fraudulently in my name used their own address in XXXX XXXX, AZ and Capital One sent billing correspondence to them. I recently disputed this with Capital One and they sent back a letter saying that they can not find any signs of fraud. The XXXX XXXX, AZ address is on my credit report incorrectly so the fraudster at that address used my information to apply for the credit. In XXXX, I was in High School and I had no credit background and I lived in XXXX, AZ. For some reason, the fraudster managed to get access to {$16000.00} from Credit One using my identity. I can not even get that much right now on my own from a reputable bank. Also, I can not file a Police Report on something that happened 10 years ago. Capital One is violating my fair credit reporting rights and holding me hostage to a debt which I had no knowledge up to now.
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a car from XXXX Florida with XXXX XXXX. They offered me a XXXX  XXXX XXXX for XXXX with a XXXX down payment, and I had to sign a contract with credit acceptance. I didnt get to see my paperwork because they uploaded it on a thumb drive and told me everything I sign will be on the thumb drive. 1 year later Im stuck trying to catch up on payment thinking the car would be XXXX because I put XXXX down. I looked at my paper work and realized the car that I have was sign for XXXX. Im a mom of 4 children I have no other choice but to try and struggle to pay my car loan or be without transportation! How can they jack my price that high and Cause me to go into debt? I had my car repossessed had to pay XXXX dollars I end of paying XXXX XXXX before the repossessed it told me that it doesnt go towards the XXXX XXXX to get it pay! I need help Im stuck with a car and going down in debt
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact Transunion credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion credit berau supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion credit report can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX that are hurting my credit score and I can't take a home because Transubion is refusing to remove information that is not mine AND they never responded the register letter I sent to them and I need help Please..
Consumer complaint received 2024-04-09
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: NAVY FEDERAL CREDIT UNION (KS)

Upon looking on my credit report I've seen some inconsistencies 1 for Navy federal credit union on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and one  for XXXX XXXX  on XX/XX/XXXX yeah I just found some inconsistencies with these inquiries right here and I was just gon na try to get them removed properly
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

1

5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-30
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. (FL)

I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself.

I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General
Consumer complaint received 2021-08-30
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. (TN)

Equifax is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my XXXX  account are : 1. XXXX XXXX $ XXXX-XXXX  XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
XXXX  is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX  XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.XXXX Funding- {$500.00}
Consumer complaint received 2020-02-28
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. (FL)

I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX  amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX  : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX  XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.