davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

I received an email that XXXX XXXX XXXX owed XXXX  XXXX {$3000.00}. I dont know who XXXX XXXX XXXX and I dont owe XXXX  XXXX
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.
Consumer complaint received 2020-02-24
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. (TX)

On XX/XX/XXXX, I sent a dispute to Experian regarding an account with XXXX XXXX XXXX that was reporting inaccurately on my credit file. The account was opened on XX/XX/XXXX, but Experian does not show any payment history from XX/XX/XXXX to XX/XX/XXXX. Thus, 10 months of payment history are missing and the account is incomplete. I sent Experian proof that the reporting is incomplete with my dispute. 

On XX/XX/XXXX, Experian responded by saying the account was updated. However, the payment history I disputed as incomplete did not change and was still missing 10 months of payments. Even if XXXX XXXX XXXX verified the incomplete information, Experian did not conduct their own investigation into my dispute. The FCRA requires Experian to delete incomplete information that is not corrected, but Experian did not do so.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

I received a letter out of nowhere from XXXX XXXX XXXX today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is CITI Bank whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called XXXX XXXX XXXX and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, CITI Banks and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that CITI Bank has been experiencing fraud. I do not want this on my credit report as this is not my account!
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (AZ)

I received a letter out of nowhere from National Enterprise Systems today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is XXXX XXXX  whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called National Enterprise Systems and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, XXXX XXXX  and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that XXXX XXXX has been experiencing fraud. I do not want this on my credit report as this is not my account!
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Minto Financial dba Minto Money (IN)

I applied for the loan online on the minto money website on XX/XX/20 and I was contacted by a representative named XXXX on XX/XX/20 around XXXX. I asked why he was calling from a XXXX area code if the company is from Alaska to later find out that is only a PO box address. I gave  them my social security number and my bank account routing and account numbers as well as my full name, address and phone number. I don't know what to do. This is a scan for sure.
Consumer complaint received 2020-02-24
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 REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-24
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.
Consumer complaint received 2021-09-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Hello this is my third Identity theft report that I am sending in about the student loans. They do not belong to me. I have not received letters back or emails stating that the debt is mine, so it is fraudulent debt. Section 611 15 U.S.C 1681i ( 5 ) ( B ) ( i ) states that I have the right of consumer protection. A notice of completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information and the telephone number of such furnisher, if reason available.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC (CA)

Hello, First off, I was never served. I did however, receive notice of a wage garnishment so I made arrangements with all documentation of my personal debts to appear in court. I sat in a courtroom which was noted where my case would be heard, then not realizing I was given the wrong court room number until court hearings were completed. When asked, bailiff directed me to court room office to inquire. Come to find out, I was in he wrong court room number and when I reported to correct courtroom, I was told my case had been heard and there was nothing I could do about it but that my garnishment was lowered to Winn Law Group, XXXX, Ca. I just feel as though I was unjustifiable taken advantage of without any evidence provided to me of debt amount and due to the financial hardship, I had no choice but to sell my home of 20 years before I could lose out on equity of home. 
In addition, I experienced unethical situations with hired real-estate agent from XXXX XXXX, unsure ( possibly XXXX or XXXX ), Ca. Started off as I hired him and as the 6-month time-frame came to closing, he unethically acted as though he was hired by buyers and did not communicate with me. Instead had wife participate in communication. Was asked by her to sign disclosures but I never did sign, so if on file, would be forgery. 
As well as escrow officer, at first was told, she could not assist with any assistance in signing or advise but then as closing approached and I arranged to meet up with her to present notarized documents, she was quick to assist me with completing FIRPTA, Real Estate Transfer Disclosure Statement and other documents at XXXX XXXX in XXXX, Ca. Whom also asked to sign off on XX/XX/XXXX Real Estate Withholding Statement because I was previously presented and signed off on the wrong one for XX/XX/XXXX. I never signed anything, therefore, if on file, would be forgery. 
I thank you in advance and can present any documents required. Please feel free to contact me if needed ( XXXX ) XXXX. 
Best regards, XXXX XXXX
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (TX)

I just checked my credit report today, XX/XX/2020. There is a new " delinquent account '' listed from Midwest Recovery Systems. It states that the account with them was opened on XX/XX/2020 and that I have a debt of {$1500.00}. I have never received any communication from this company whatsoever, not by email, phone or mail. When I tried to phone the company, I was placed on hold for several minutes and then the call was disconnected. I have no idea who this company is and I would like them reported and removed from my credit reports.
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Time Title Loans, Inc. (AZ)

I took out a registration loan in 2015 with cash time loan center and made several payments, however I fell behind and tried to make a partial payment and they refused. I lost my job and vehicle and have not heard from the company till I was served with small claims in pursuit to a statue that is for implied warranties. Which the amount borrowed was less than {$500.00} which the law caps the interest rate. However in the lawsuit they are requesting 202.29 % in interest. I have made several calls to company left voice mail with no response. The company waited 5 years to accrue interest on an a predatory loan. several payments were made to this company as balance was no where near the {$660.00} they are suing for outside of statue of limitations law and filing under false statue.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (TX)

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX.
Consumer complaint received 2022-10-14
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. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX
Consumer complaint received 2019-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Dear creditor or whoever it may concern on XX/XX/2019 an account on my transunion called XXXX for XXXX XXXX of {$170.00} went into collections and the account seems to be fradulent I've never once had an account with XX/XX/XXXX of that amount
Consumer complaint received 2022-07-24
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: PENTAGON FEDERAL CREDIT UNION (FL)

XXXX XXXX company dont want remove account in my credit report.I was a victim of fraud, I was in prison from XXXX to XXXX and the creditors do not want to eliminate accounts on my credit report, they do not want to comply with the law. accounts that I never applied and do not belong to me.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recognize inquires on my TransUnion credit report that I did not authorize or give permission to run my credit report also there were no written form of communication, contract or signature for this accused inquiry at all. According to the FCRA XXXX XXXX, XXXX/ XXXX XXXX & XXXX/ XXXX has violated my rights as a consumer and Im requesting legal action to remove these inquiries immediately
Consumer complaint received 2022-12-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.