davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (AL)

Yes my name is XXXX XXXX XXXX. There is a company called Fox Credit company that reported I owe them {$1200.00} from XX/XX/2018. I Have never done any business at all with this company never have been to this company.an have never talked to them in person, or by phone, an I have never got any mail from them telling me I owe them money an why .I have contacted them an disputed this letting them know they either have me mixed up with someone or someone used my identity. That it has nothing to do with me they would they remove these false aligatons off my all 3 of my credit reports. ( XXXX, XXXX, an XXXX ) but they refuse to remove it. So I have no other choice but to contact yall. If it was me they should have atleast contacted me by mail or by phone an told me why I'm being charged this .please help me resolve this matter. For it's hurting my credit score I'm working hard to make as good as possible.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In the fall of XXXX, I was going through a divorce, attempting to start a career in real estate after being a stay-at-home mom, with no consist income. I was lucky enough to land a position with the company that I have been gainfully employed with for the last three years, which started in XXXX of XXXX. I was struggling financially, trying my best to support my daughters and prepare for my move to a new area. I honestly had to make hard decisions on what I could pay in that time period to get me through to the next month. Capital One reached out to me to with an offer of a payment plan that I could afford so I could catch up and get my account in good standing and since I made that last payment toward the payment plan, I have not missed another credit card payment with Capital One. 

I was unaware that while in my payment plan, my account was still being reported as late. I am still very grateful to Capital One for working me during that stressful and difficult financial period for me. 

I have attempted via calls and emails for over 2 years to Capital One, requesting a good faith adjustment or late payment reversal as I am beginning the process of purchasing a new home. As a XXXX  XXXX, I know firsthand the importance of a strong credit history in mortgage lending and I can personally see the ramifications of currently having three late payments reported to the three major credit bureaus from Capital One.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX XXXX XXXX on the wall at the place I used to work on XXXX XXXX, immediately I start XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; doctors from XXXX  XXXX  decided not pay me because all test were normal, I cant work because of this, and since last days of XX/XX/XXXX XXXX not working & no receiving money from nowhere, thats the reason Im behind on my mortgage payments ; on XX/XX/XXXX I applied for help at XXXX  XXXX XXXX, and after 6 months & a half on XX/XX/XXXX they denied the help because they said run out of funds, before that date & since XXXX when I applied for help I keep in contact with the mortgage company asking them how they can help me, they said to wait for the decision at XXXX XXXX XXXX ; on XX/XX/XXXX mortgage company sent me a foreclosure letter, I called them after receive that letter & they said foreclosure was on hold, waiting for decision ; I did call mortgage company after that XXXX  times on XXXX, and they same situation was the same ; on XX/XX/XXXX when I called them, I was surprise they said they start foreclosure & dont offer me more options than loan modification, reinstatement or short sale, Im asking for more time to pay the payments Im behind.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I Reached out to Equifax on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. Also the addresses don't match any of mine on record. I am attaching this letter I am also attaching delivery confirmation letter I sent to Equifax in regards to this matter via XXXX. 

Equifax has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.
Consumer complaint received 2024-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I received a voicemail with opportunity to resolve my student dead in the voicemail. They talked about me getting my loan forgiven as an option. When speaking with them and I asked about loan forgiveness based on the predatory practice of my school, said there was no such application for that.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
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. (MD)

This is my 4th 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 XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} , XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (CA)

There are 7 inquiries on my Experian credit report that do not belong to me I have sent multiple letters to the furnisher and the bureau and it is still on my credit report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2024-04-03
Product: Credit reporting 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. (CA)

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 

The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

Please find below my updated address information : XXXX XXXX XXXX  XXXX, CALIFORNIA XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (TX)

I traded in my leased vehicle, a XXXX XXXX XXXX for a new XXXX XXXX on XX/XX/XXXX. I was able to trade it in to a dealership before my lease ended with no penalty. The dealership sent a check for the payoff to JP Morgan Chase, XXXX XXXX, who held my lease. The dealership had the address wrong and I could tell from my Chase account that the car wasnt paid off. It said I had a payment due of {$600.00} on XX/XX/XXXX, so I paid that amount so my credit would not be affected. I went back and forth with the dealer and Chase and found out the dealer sent the check to an incomplete address. In the meantime, Chase sent me a refund of {$600.00}, in the form of a check which I deposited in my bank. Apparently the dealer sent another check and Chase cashed the wrong one, which had a stop payment. They in turn stopped payment on my check that I had already deposited. The dealership sent another check and I verified that they received it, cashed it and cleared it on XX/XX/XXXX. Now, no one at XXXX knows what XXXX talking about when I call for my refund. I have called them about this matter on XX/XX/XXXX, XXXX and XXXX, and each time I have to repeat my issue. On XXXX XXXX they told me they would call me back in 48-72 hours. I received a call on XX/XX/XXXX and in the voicemail they said that anybody that answers could assist me. When I called back, they had no idea why I was calling and someone told me they could submit a refund request if I wanted. I need my {$600.00} as I have not had possession of the XXXX for more than 2 months. Chase has been paid, my dealership has been paid and I have not. I would also like to point out that Chase never told me they were stopping payment on my check until I received a mailed letter a week after.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IL)

I had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). I need to find out if I am apart of the settlement.
Consumer complaint received 2021-03-12
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. (TX)

I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and XXXX ) XXXX XXXX account number XXXX and inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-03-12
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. (DE)

On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.
Consumer complaint received 2021-03-12
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. (TN)

Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.
Consumer complaint received 2023-01-17
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. (IL)

I've previously disputed that this Bankruptcy account from the XXXX XXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, I have a history that goes back 15 years with Bank of America and throughout those years I have never had any adverse action on any account that I held with them. I recently opened an account with them and due to the mail delays I did not get anything pertaining to the account for over two weeks. When I called in to the call center for customer service center to figure out how to get everything in order I was told that the account was considered fraud. I asked why and explained that I could not take action on an account that I have no information for. I was told that they could not provide me any information and that was it. I recently received a letter in the mail again expressing the account was closed for fraudulent reasons with no explanation and the decision was final. They also expressed that this could affect my ability to hold any account with them in the future. I live in the same home I have lived in for over 20 years and all information that I provided was valid. I think this was not right considering they could not provide me an explanation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-16
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. (MI)

The three bureaus Transunion, XXXX, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully XXXX in XXXX by the XXXXXXXX XXXX  Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Consumer complaint received 2023-05-17
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: Early Warning Services, LLC (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX  XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.