davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

On or about XXXX, I applied one time for an auto loan with XXXX XXXX XXXX XXXX in XXXX, Oregon using a finance company doing business as XXXX XXXX. On XX/XX/XXXX ( XXXX years later ), XXXX XXXX XXXX based in XXXX, Oregon made at least two unauthorized inquiries known as " hard inquiries '' into my personal credit report by way of at least two credit reporting agencies known as XXXX  and Equifax. Again, these inquiries were done without my permission. I called XXXX XXXX XXXX XXXX, Oregon and spoke to a woman who answered the phone. I told the woman that the company she answered the phone for had no authority or permission to do a hard pull on my credit report. I also requested that the inquiry be withdrawn from the credit bureau record. The woman disagreed with me and went further to say that she believed that ( XXXX XXXX ) could and would perform a hard inquiry once a month with all three credit bureaus until the end of time. I contacted the credit bureaus listed above and their customer support people told me that the only way to dispute the unlawful inquiries was through a form or process through the Federal Trade Commission. The Federal Trade Commission forwarded me to this website.
Consumer complaint received 2022-10-15
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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2800.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 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 2023-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

So this goes back to XX/XX/2022 I received a letter in the mail that they were gon na take me to court and sue me if I did not pay debt by the end of the month. I waited till the end they didnt take action they just kept calling me and harassing me I have screen shots of the numbers they have many phone numbers. Midland credit XXXX  is the name of the company. So they never sued me it was just a threat come XXXX I got tired of the harassing phone calls so I was contacted by Two different Numbers the same day by midland credit I have a XXXX so it says midland credit and then the number XXXX XXXX I have them screenshot and also in my notes I wrote down XX/XX/XXXX at around XXXX XXXX  I was contacted by midland I told them that I wanted a debt validation letter and they said they didnt wan na go that route, they want me To pay in a payment plan, I said XXXX no we wont go the route you want we are going the route I want and she got upset they told me they were audio recording my call so I know they got that on file well after that I didnt receive a letter 30 days latter I waited and waited till pass three months and now I receive a letter again in the mail for a payment plan that I could do payments as low as XXXX $ a month and have till XX/XX/XXXX to respond honestly I am so frustrated and cant be in peace that they are after me for a debt that they can not validate on me if I have to I will sue them For reals for harassment and playing with my rights this is abuse and I hope you guys cant do something about it I have a lot of photo evidence against midland credit XXXX  they are a bunch of rats I have paperwork from up to a year ago they can not really provide validation only the bought information
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)

Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it from my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I Received A Update/Email From Experian Stating That This Fraudulent Account Remains I request a detailed description of the investigation conducted regarding the account under the name and number : XXXX ACCOUNT XXXX I would appreciate receiving a comprehensive report outlining the actions taken during the investigation, the findings, and the reasons why the account status remains unchanged. 

Please provide all pertinent details, including any correspondence exchanged, steps taken to verify information, and any relevant factors influencing the outcome of the investigation. 

Your prompt attention to this matter is greatly appreciated. If there are any forms or additional information required to process this request, please do not hesitate to contact me.
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 — Account information incorrect
Company: Credit Karma (MA)

Credit Karma has been deliberately targeting myself and others as well with mismanagement of credit scores, there is absolutely nothing that changes within the company system I have been in the lower scores going on almost 6 years and each time Ive reported this issue Im going through a chat or as there is no one to be redirected to. Obviously this is purposeful and I believe it to be a targeting tactic to push the agenda of reducing any credit issues by submitting to a loan company an d of course the credit card companies that are offered by the site and if not accepted they pay {$50.00} dollars. I want actual answers and I want my credit score up to the XXXX where its supposed to be. This score system I believe is a targeting tool used against ethnicity and religious groups to perpetuate the low score myth as Im living proof
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-07-27
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name and Number : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX has violated my rights. 


1

5 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (FL)

I was affected by the COVID National emergency, and my credit score got down, now Citibank closed my XXXX XXXX XXXX that I usually use to buy the food and other expenses. I never was late on this credit card and already settled the late credit cards affected.They told me that will reopen account and now they informed that they will not reopen the card. The misleading all the information provided and I need the Credit Card.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

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 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received my credit file and saw Acct # XXXX on my credit report. I sent a letter and ask for this debt to be VALIDATED and this debt was NOT VALIDATED it was VERIFIED. This is not what I asked for. I would like for this account to be DELETED off my CREDIT FILE for all CREDIT BUREAU that it is reporting too.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX Redeemed XXXX XXXX XXXX XXXX points for {$25.00} to be applied to mortgage held with Fifth Third Bank. Told to allow up to 14 days for redemption to post. 

XXXX 18 days ( 4 days past deadline ) and redemption is still in " In-Progress '' status. 

XXXX Filled out " contact me '' form. Asking to find out why redemption has not posted. 
Told to expect a response within 48 hrs. 
XXXX Still no response so I filled out another " contact me '' form XXXX I missed the call from XXXX. I called back and left a message to call me back. 

XXXX Representative called. She said they had tried to call back on XXXX numerous times - however that number was no longer in service ( land line # that I had discontinued over 3 yrs. ago ). I don't understand why the old land line phone number was the one on file. Everytime I would redeem points I was required to put in my phone number - which was my current cell number. 
I asked why they didn't send me an email telling me they needed an updated number. Again - every redemption requires an email verification. Rep agreed that they should have attempted sending an email. 
Rep. told me a priority email would be sent to the Mortgage dept asking for an explanation. That a response should be forthcoming within 48 hrs. 

XXXX 48 hours have gone by - no response - no phone call. 

XXXX I called XXXX XXXX XXXX about lack of response. Rep. stated that they indeed had had no response. They would send a flagged email to 5/3 Mortgage Dept and that they should have a response within 48 hrs. 

XXXX Call from XXXX XXXX XXXX XXXX rep. ( over 5 days past due ). That the Mortgage Dept. had posted the {$25.00} toward my mortgage. I questioned this as the status is still " In-Progress ''. I stated that I believe this posting was for a new redemption I applied for on XXXX. I was assured that this was not the case. 

XXXX Checked status of redemptions. The redemption from XXXX is still " In-Progress ''. 
The redemption from XXXX is " Completed ''. 
So XXXX still has not applied my redemption request from XXXX - now over 3 weeks past due.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am refinancing an existing loan with the same lender ( Bank of America ). Got a closing date of XX/XX/XXXX and Closing statement. On XX/XX/XXXX, Loan officer called and mentioned there is one credit card which is not available in the credit report provided by their credit report provider. I have provided the credit card statement, but the loan officer want me to call the credit report provider and add that credit card to the report or they will not proceed with the loan. I explained, the credit card is active for many years and it is not my responsibility to add a debt to any credit reporting agency. Now, they are not allowing to proceed with the loan and I do not want to add any debt to my report.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen Financial held {$75000.00} of flood insurance proceeds in an escrow account until I was able to sell the property in a short-sale. Once the short-sale was completed, they did not inform their subsidiary of these escrow funds, and Ocwen issued a XXXX form showing a " discharged debt '' of {$100000.00}, when it should only have been {$25000.00}.
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has called me And been verbally abusive with every call and has threaten legal action if I did not pay the XXXX dollar debt to them. I asked for proof of the debt and they got mad and started being more rude and using foul language
Consumer complaint received 2019-07-16
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. (CA)

My name is XXXX XXXX. 
XXXX XXXX and XXXX XXXX XXXX reporting XX/XX/2019 Mortgage payment reported late to Experian prior to their grace period ( after XXXX ) for late reporting of our Mortgage payment to Experian as of XXXX XXXX. Also have not received credit for XX/XX/2019 Mortgage payment of $ XXXX statement indicate consider late after XXXX of month Request restore 32 points decrease credit score.
Consumer complaint received 2019-07-16
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: Credit Plus Inc (FL)

I had a hard inquiry on my credit from a company called Credit Plus which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.