davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (NV)

Their customer service would not help and take care of the negative inquiries reporting to your 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/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 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (KS)

On XX/XX/20 I sent correspondence to First National Collection Bureau , Inc. stating that I was a victim of identity theft ( 08_07_20_Signed_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
The letter was sent Certified Mail Return Receipt, and was in First National Collection Bureau, Incs possession as of XX/XX/20 ( XXXXFirstNationalCollectionBureau Return Receipt_item sent XXXX ). 
The letter explained to First National Collection Bureau , Inc that I am a victim of identity theft. In addition, the letter informed First National Collection Bureaus responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
First National Collection Bureau was asked to provide me with the records I requested ( XXXXSigned_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
Again, First National Collection Bureau was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request.

It appears that First National Collection Bureau , Inc.s failure to provide the requested documentation does not comply with the requirements of the FCRA XXXX Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of 609e. 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
Consumer complaint received 2020-09-14
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. (CA)

Experian has had 2 of my paid up credit cards closed out and had one 's credit limit slashed by 90 % by reporting issues all caused by Covid19 and/or wildfires to the banks. My issues are temporary and 100 % caused by pandemic and fire. Then they sell my info to these fraudulent companies hassling me to let them settle my debt. It is XXXX to use this tragedy to punish me.
Consumer complaint received 2021-01-29
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. (GA)

on XX/XX/XXXX I sent letters to XXXX, XXXX  and transunion requesting for the following inquries to be removed from my credit report under the fcra & the reporting time has reached 2 years and it has not fallen off my report. I called the companies XXXX which has been on my report since XX/XX/XXXX on XXXX  which should have fallen off already, XXXX  XXXX  which has not been able to provide me with information that I authorize them to pull my credit and I dont know who they are. They said that XXXX has to remove it. XX/XX/XXXX. I spoke with XXXX XXXX  and they said XXXX and transunion has to remove it. XX/XX/XXXX. XXXX  XXXX on XX/XX/XXXX on XXXX and XXXX  XXXX na on XX/XX/XXXX on XXXX has to be removed by them and XXXX XXXX XX/XX/XXXX transunion is suppose to be removed by transunion. I have addressed these issue and still no response about the inquiries removal which is hurting my score and ability to obtain other financial options that I want to explore.I resent letters again about the removal of inquiries.
Consumer complaint received 2019-06-07
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. (IL)

It is obvious that my Identity is combined with someone else 's information in my written statement. Equifax has refused to correct the incorrect reported information activity in my Equifax credit report in over a year. Despite my many requests regarding several credit reporting errors in my Equifax Credit report and Credit score. ( Please see my detailed attachment statement ).
Consumer complaint received 2017-12-15
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: EQUIFAX, INC. (NV)

Their customer service would not help and take care of the negative inquiries reporting to your 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/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 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I filled a have dispute its been well over 30 days and I have not yet received a investigation status or results. I also sent a copy of the Police reporting identity theft for the following items below : Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Account name SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$34000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX these items are fraudulent and needs to be removed from my credit file immediately.its affecting my life and stoping me from low interest rates
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (GA)

I received a called on today XX/XX/2023 from XXXX Medical Revenue Service. I am not sure why they are harassing I dont have any outstanding medical bills. I have health insurance that covers all my bills and I pay my copay when I visits doctors. It should be illegal for someone to call and harass you about a medical debt you no idea about. And then these XXXX have nasty attitudes. Needless to say I have a personal attorney that I will be using to sue these XXXX  for harassing me while working. I dont over look any kind of medical bills because I work in that same industry. I verify my benefits prior to going in.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I received my early warning report and XXXX XXXX XXXX has violated my privacy rights by reporting personal transactions to my early warning report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and Early Warning services is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I sold my home in XX/XX/XXXX XXXX and paid off my mortgage with Dovenmuehle Mortgage Inc also known as XXXX XXXX in whole. At closing I had to pay the taxes and other fees creating a balance owed to me in my escrow account for {$3600.00}. I contacted Dovenmuehle as directed by the title company and filed a change of address form to inform Dovenmuehle of my new mailing address. The Dovenmuehle representative told me they were mailing a check for the balance owed to me. This was around XX/XX/XXXX. Weeks went by and the check did not arrive. I called Dovenmuehle back to check on the status and the representative told me they couldn't do anything until after XX/XX/XXXX. I called back on XX/XX/XXXX and they apologized and said they were canceling the first check and mailing another. Still no check was received. I called back on XX/XX/XXXX and asked to speak to a supervisor. I was told a supervisor was not available and they would issue yet another check and would have a manager call me back. They also said if I didn't receive the check in a couple of weeks to call them back again. The check still didn't come and no supervisor ever called me. I called back on XX/XX/XXXX and demanded a supervisor. A manager named XXXX got on the phone and said there were no notes made of a complaint prior to the XX/XX/XXXX call and no other checks had been sent prior to the XX/XX/XXXX call. She had a attitude and said she would have to file an inquiry with a separate department and someone would be calling me within 72 business hours. 72 business hours was reached yesterday XX/XX/XXXX. No one has called me and still no check has come. We need this money to go towards our new home. We are tired of being lied to and just want our money. They are literally holding our funds and not returning them to us. Please help.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXXXXXX XXXX  I was informed by XXXX XXXX XXXXXXXX that Mr. Cooper had rejected my payment " due to : Incorrect biller account. ". I contacted Mr. Cooper at XXXX on XX/XX/XXXX and when prompted by the IVR about why I was calling asked " why did my payment not post ''. The IVR took me to a payments menu, and when none of the options matched my inquiry, I was only given the option to return to the main menu. I posed my inquiry to the IVR multiple times over the 8 minute call, but each time was never given an explanation why my payment did not post or the option to speak to someone. A recording of a portion of my experience is attached. 

The account number for this bill payment that I specified with XXXX XXXXXXXX XXXX was XXXX and payment was sent to the address on my service transfer notice.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

RE : XXXX XXXX Solutions account # XXXX XXXX XXXX XXXX XXXX bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago XXXX began sending me collection notices for the USAA accounts listed on my ID Theft Report. XXXX of XXXX I sent XXXX XXXX XXXX a CEASE & DESIST request. XXXX XXXX  has ignored that request. I do not owe any debt from USAA and XXXX XXXX is harassing me. I am again requesting for XXXX XXXX XXXX to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency. XXXX XXXX   does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I had disputed a XXXX XXXX account, that WAS NOT MY DEBT beginning in XX/XX/XXXX direct with XXXX, XXXX & XXXX. In addition to that, I mailed a debt validation letter direct to XXXX XXXX in XX/XX/XXXXas well. In XX/XX/XXXX I received a letter from Weltman, Weinberg & Reid., LPA . I continued to dispute this account with the credit bureaus. I also continued to send debt validation letters to XXXX XXXX, as they could not provide the documentation that I was requesting from them. This account was removed from all three credit bureaus. Confirmed & in writing, deleted. It was deleted bc they couldnt validate the debt to FCRA standards. This attorney is now claiming theyve made several attempts to contact me in a letter dated XX/XX/XXXX, which is false & a bogus claim. Had I of received anything, I wouldve been in touch immediately. Point in case the letter I received XX/XX/XXXX, I sent a detailed email to them on XX/XX/XXXX. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & again today on XX/XX/XXXX. I have NOT received a response from them. Pretty unbelievable seeing their claiming I didnt respond to letters I never even received & theyre the ones who arent responding. My credit and finances are very important to me and this attorneys office is making false claims. I would like to request the said documentation they claim to have mailed. I am demanding that this company cease trying to collect a debt that was not mine & that was legally removed for this very reason. I am baffled & alarmed @ their false claims & their failure to respond to an email sent 7 times!
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, {$9000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX # XXXX {$15000.00} closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax did not properly and thoroughly investigate my dispute with XXXX  XXXX XXXX. I reported to Equifax that XXXX XXXX XXXX did not have my correct/updated mailing address nor did they have my correct telephone number as my initial dispute stated and that my initial complaint with the CFPB also stated. I also had explained to Equifax that XXXX XXXX XXXX did not allow me to dispute information on the charges that they have stated on the account, which some are fraudulent due to my identity being stolen ; which make the account balance also incorrect. Also, I explained to Equifax that the charges on the account were incorrect and that XXXX XXXX XXXX did not allow me to dispute them and that XXXX XXXX XXXX never contacted me regarding some of the fraudulent charges. XXXX XXXX XXXX did not have my correct information and only updated the correct information at the time of my dispute with Equifax and complaint with CFPB. I request that Equifax remove the XXXX XXXX XXXX account from my credit report report.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In XX/XX/XXXX we were looking at the new complex XXXX, XXXX florida we sent a online request and paid {$300.00} as it asked and it didnt work, XXXX the agent said do it again I said no and we went there in person and saw her, my husband and I were told the apt we saw online was gone and she showed us another one, we said thank you and left never signed anything, never moved in or out. We resided at XXXX  XXXX XXXX  in XXXX Fl till our lease end XX/XX/XXXX and we bough a home in XXXX XXXX FL closed XX/XX/XXXX We then received letters from XXXX  for moving out early costs, they would not answer the calls, we live 2 1/2 hrs away now I tried XXXX left messages nothing, I saw on my XXXX  credit report now from columbnia debt recovery to pay them {$560.00} I sent a dispute through to show me proof of residency, a lease any documents there will be nothing and they will not answer me. I do not know what this agent did and want it fixed. I am XXXX, just had a XXXX XXXX  XXXX  XX/XX/XXXX and I cant go directly down there and try to have them talk to me. Thank you for any help you can render
Consumer complaint received 2023-01-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-06-07
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. (HI)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX