davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc (TX)

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-07-18
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. (CO)

I have been a victim of ID theft. Equifax is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with Equifax and submitted ALL the requested documents for fraud. 
Equifax is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

Equifax failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against Metro 2 guidelines.

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT 57 and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. Equifax leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet Equifax failed to do so. Equifax has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should EQUIFAX.. 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however EQUIFAX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (MO)

I made a payment on my car loan and also there was an ACH. The company is BMW USA and they lost my payment and did a partial ACH and didn't record it as any payment credit. Ive tried talking to them and they refuse to acknowledge my payment even with proof from my bank account. As such, the bureaus refuse to help because BMW will not correct my payment history from XXXX years ago.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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. (UT)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-10-08
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. (TN)

random inquires that have just been popping up when i have no business or account with these companies XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX transunion inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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 rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

Upon checking my credit report on XXXX XXXX I noticed a listing from AMERICAN PROFIT RECOVERY that I allegedly have an open account with them that was currently in collections. On XXXX XXXX I mailed a debt validation letter to AMERICAN PROFIT RECOVERY in pursuant to 15 USC 1692g for validation of the debt, to see if they have the correct person and any evidence that owe them. On XXXX XXXX I received a response letter from AMERICAN PROFIT RECOVERY stating they their company does not have sufficient information to provide me ; meaning no proof that I owe them. This has been exhausting and time consuming between work, having to type up letters, wasting precious fuel traveling to XXXX to print the letters, purchase unnecessary stamps and envelopes and all for a alleged debt to a company cant even support their claim of owing them ... AMERICAN PROFIT RECOVERY never provided me evidence that I owe them anything and thats because I dont. 

I attached an EXHIBIT A -showing their several violations and the Cease and Desist letter I sent them on XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/2022 I received a wage garnishment letter from my employer. I was shocked because I never received neither a court order nor notification ( making me aware LVNV is seeking judgment for a debt owed ) about a lawsuit from LVNV. Therefore, LVNV has illegally filed a lawsuit against me in order to receive money for a debt. I don't know the original creditor nor can I produce an account number for this debt. This is unfair and illegal. LVNV should be embarrassed to take such drastic measured during a worldwide pandemic that caused me financial burden and COVID-19 causing many to quarantine meaning wage loss because COVID-19 Relief came to a haunt last year. So why illegally sue me. Many people are XXXX and some are XXXX ill.
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 I noticed a new inquiry from capital one 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (AL)

I have tried on numerous occasions to get XXXX XXXX to remove the security freeze from my SageStream Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with XXXX XXXX. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX for XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (NY)

I am formally submitting a dispute regarding the fraudulent inquiries currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these fraudulent inquiries on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XX/XX/2023. I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent inquiries from my credit file within four business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMMERCE BANK (MO)

On XX/XX/2020, I spoke with XXXX XXXX, Senior Mortgage Banker with Commerce Bank, and discussed a loan amount we were seeking, as the bank had told us that a portion of our funds couldn't be used. 

I asked for direction, because the bank wanted to increase our loan by {$12000.00}, and my wife and I did not need that much of an increase. XXXX told me to send him the new loan amount I was seeking in an email and include XXXX XXXX, Premier Mortgage Processor at Commerce Bank Mortgage, as she was underwriting the loan. 

At this point XXXX and XXXX had already misplaced information that had been provided to them, consistently. 

On XX/XX/2020, after our conversation, I requested the loan amount be set to {$160000.00}. XXXX confirmed with a one-word message : " Completed. '' But the next day, XX/XX/2020 the approved loan came back with a {$1000.00} increase. That change had not been approved by the borrowers, and no explanation was given. 

When asked about the increase, XXXX lied and said he " had to '' increase the loan amount. Later, that lie became apparent when XXXX disclosed he needed additional documentation to meet the loan request on an account the Commerce team had neglected to include in their verification of funds, but passed the buck of their mishandling onto the borrower. 

Additionally, XXXX indirectly threatened to move the loan date and thus move closing, after his team had dragged their feet until the last minute to confirm details, when their error was called out. This threat showed a clear lack of fiduciary responsibility. 

This complaint is filed in regard to the lack of responsibility, blatant lie told, threat, and altogether malfeasance perpetrated by loan officers who have a responsibility to act in good faith.
Consumer complaint received 2021-01-17
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. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court XXXX XXXX , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Consumer complaint received 2020-09-09
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. (MI)

XXXX, Equifax, XXXX  all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX  with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

AD ASTRA RECOVERY SERV at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of ( {$250.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.