davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (ND)

In XX/XX/XXXX an account was open under my name for {$480.00}. The company name is southwest credit systems , L.P . The original creditor is XXXX. I am not responsible for this debt. I sent in letters to be disputed And havent heard anything back its been past 2 weeks. Can you please correct this information and delete it from my background. This is having a negative effect on my credit score.  Please correct the information immediately.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

This company XXXX put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called ERC. The account number is # XXXX with the company XXXX The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have multipole accounts with Shellpoint 4 of which reported a later payment for the month of XXXX the same month Shellpoint decided to change their mailing address. I was never updated with the new mailing address as i rarely look at the statements that are sent to me i have a team who manage all my accounts and they are the ones to make sure all the payments are made i never missed a payments in my life and i never-missed since the incident. This is a case of simple miss-communication which happens to everyone. As a result of not being notified of the address change the check that was mailed for that month was sent to the old address and returned to us only for us to make a payments right away to find out that we where more then 30 days late which cased them to report a late payment on 4 separate accounts. This has affected my credit score dearly and prevented me from getting any new financing which is causing me severe damages to my business and personal health. I submitted a written request to the Company Involved only yo be told that the mistake was on on their end so they wont be correcting the payment history
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (IL)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have called Bank of America twice to request my XXXX and XXXX mortgage interest records ( 1098 forms ) and my XXXX and XXXX escrow end of year statements. I need all four documents to file my XXXX and XXXX taxes. These documents are no longer available online because I paid off my loan so I must call the bank and during this Coronavirus pandemic, the hold times are extreme. At present, I have only received one statement. I need all four documents ASAP! Please!
Consumer complaint received 2020-05-04
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$73.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX {$24000.00} XXXX  XXXX   XXXX {$530.00}
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (TX)

Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.
Consumer complaint received 2020-09-01
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-10-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VANDERBILT MORTGAGE & FINANCE, INC (AZ)

On XX/XX/2020, I was contacted by a representative of lender Vanderbilt homes who stated, " You are shown as a payer '' in relation to a debt owed by my XXXX and XXXX. 

I contacted supervision of the individual on the same day who admitted on a recorded call that the actions of the subordinate did happen and my name would be removed from their contact list for the debt. 

Per the representative of Vanderbilt Homes on XX/XX/2020, they would no longer contact me about a debt I do not owe. 

On XX/XX/2020, an associate of Vanderbilt Homes, XXXX XXXX, contacted me about the debt. The email states the following : " [ XXXX ] Hello, I noticed that we havent received a payment on the home loan in over 60 days. If you believe this was in error, or you are having a financial hardship, I am here to help you every step of the way. As your personal Account Representative, I would love the opportunity to speak with you about assistance options that may be  available. I can be reached at XXXX or by replying to this email. 



Kind regards, XXXX VMF WH Stack Color Logo-EPS XXXX XXXX Collections Team Leader Vanderbilt Mortgage and Finance , Inc. NMLS XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ext XXXX XXXX '' I consider this a direct violation of the agreement for Vanderbilt Homes not to contact me from my copy of the preserved recorded call with their supervision on XX/XX/2020. 

I feel harassed by a lender I DO NOT owe a debt to.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (MI)

After receiving notification on my credit report in XXXX, I noticed items on my credit report that did not belong to me. My credit report disclosed that the creditor XXXX was listed on my credit report. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Consumer Adjustment Co - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXXonsumer Adjustment Co states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Consumer Adjustment Co has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my NUMEROUS 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 listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-21
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. (MD)

XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

The bank will not give me a statement with the current status of my loan. They will not give me a statement either. They will give me a line item payment history and a payoff amount. 

I need to verify my account is current and they are unwilling to provide me with any documentation.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc. (NY)

1. I signed up with Credit Repair on XX/XX/2020 because I had received notification by email that three late payments had been reported on my credit report. 
2. The day I signed up, I was also informed that XXXX XXXX XXXX also had reported late payments. I was surprised because my account with XXXX XXXX was an older account which I thought was closed. Credit Repair explained that they could easily fix these errors on my report. 
3. On XX/XX/2020, I called Credit Repair to check on progress and to cancel my account because I did not feel I needed them. I was offered a discount because of the Corona Virus, so I decided to stay with them for a while longer. 
4. I received a returned letter from the post office on Saturday XX/XX/2020. The letter was written to XXXX XXXX by someone using my name and social security number. The letter was a single sheet, requesting consideration for a loan but did not include any other information. I did not write the letter however the letter contained information from my credit report. This is scary. 
5. I have reached out to Credit Repair in order to cancel our account. I was advised by Credit Repair to contact Social Security, in addition to making this report.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my NUMEROUS 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 listed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-22
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: Resurgent Capital Services L.P. (NJ)

I WAS TRYING TO GET A CREDIT CARD AND THEY SAID I HAD COLLECTIONS. WHILE INVESTING I FOUND OUT USING THE NMLS WEBSITE THAT THE COMPANY IS NOT LICENSES TO BE A COLLECTION AGENCY IN THE STATE OF NJ
Consumer complaint received 2021-08-11
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. (MS)

I've reached out to XXXX, XXXX, and equifax several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XX/XX/2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. 
I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. 
I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. 
Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX  XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX  XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is  one of the worst banks in the United States. 
XXXX XXXX, XXXX CO XX/XX/20
Consumer complaint received 2020-11-17
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. (TX)

I previously sent letters certified mail to the credit bureaus to show me how collections are mine, I asked them to show me proof of signature and original contract showing that these debts were mine. I also asked them to send me the proof said company sent them. Still I have received nothing yet, the inaccurate debt is still showcasing on my account.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (VA)

Disputed with the company via XX/XX/22, Disputed with local credit XXXX XXXX removed the transaction from the consumer report but left an account that says below : ( XXXX XXXX XXXX  ) 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement.

15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction.
Consumer complaint received 2020-06-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.