davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. XXXXXXXX XXXX nor Equifax has not provided sufficient evidence to prove that I actually owe this debt. This is now my third attempt to have this company validate this debt. I need to see the paperwork/contracts you have from this debt. Present the terms and conditions that gives the interest rate. I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point. It has been over 30 days and XXXX XXXX NOR EQUIFAX has verified this debt as requested since XX/XX/2023. They keep updating the debt as valid although it has been deleted from my XXXX  credit report. This is a violation of my consumer rights and my next step will be a LAWSUIT.
Consumer complaint received 2023-05-25
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. (NY)

Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-05-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

Since my mortgage was transferred to PennyMac in XXXX of XXXX, my payments have steadily increased, despite a reduction in my Property taxes. Before my mortgage was transferred to PennyMac, my payments were XXXX, my payments have increased every year since XXXX, with the current payment being XXXX. 
I was told that my monthly payment increase is to offset a shortage in my escrow, however my property taxes and homeowners insurance is current, and although my homeowners insurance has increase, recently my property tax was reduced, my escrow should be XXXX. XXXX, however PennyMac, is currently charging me XXXX. 
My payment should be as follows : Mortgage : {$450.00} plus escrow ( {$230.00} ) = $ XXXX County Tax : {$670.00} City Tax : {$170.00} Hazard Ins : {$1900.00} Total Payments from Escrow : {$2800.00} XXXX = {$230.00} However, PennyMac monthly statement reflects XXXX. 
My property tax was reduced effective XX/XX/XXXX, however PennyMac, never applied the refund to the balance of the loan and or refunded the amount to my bank account.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, XXXX and Equifax. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. 'XXXX XXXX XXXX XXXX  ( XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, Equifax, XXXX and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

my information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was a victim of this breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. I have listed all accounts.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have sent letters to all 3 consumer credit agencies XXXX, XXXX and Experian letting them know that the information that they have on my credit profile is inaccurate and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.
Consumer complaint received 2022-11-21
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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: Experian Information Solutions Inc. (NY)

I DON'T WANT TO HAVE THIS ON MY XXXX  REPORT PORTFOLIO - 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
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (TX)

I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit has been reporting this Collection Debt on my XXXX Report through XXXX XXXX, XXXX  and XXXX for an amount of {$5800.00}. The XXXX XXXX is XXXX XXXX XXXX. When I was last contacted by XXXX XXXX XXXX  my balance was about {$2400.00} XXXX not sure the exact amount but not more than {$2500.00} XXXX. 

Midland Credit is reporting that I owe {$5800.00}. This is incorrect. In my efforts to get them to accept a settlement for the amount I owed the original creditor, they continue to refuse to accept this amount. Additionally, on my FICO report, the show XXXX XXXXXXXX XXXX  as the Original Creditor when reporting to XXXX XXXX and XXXX  ; however, they put themselves as the Original Creditor on my XXXX. Not sure why they are claiming to be the Original Creditor but that is not true, nor accurate information. THIS IS HARMING ME AND MY FAMILY BY WAY OF LOWERING MY CREDIT SCORE. 

Creditors are not allowed to report incorrect information ; yet, Midland has been doing it for months ' on my credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was affected by the XXXX data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit report effectively iimmdiately.Iam attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include XXXX, Experian and XXXX.
Consumer complaint received 2023-05-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (GA)

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (GA)

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have sent in multiple disputes asking that both Equifax and XXXX verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (GA)

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I am not liable for this debt with XXXX  XXXX XXXX  XXXX and I do not have a contract with MIDLAND CREDIT MANAGEM  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2500.00}
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (AZ)

I appreciate the prompt attention from the CFPB, and I want to acknowledge that XXXX XXXX XXXX XXXX has taken corrective action by removing three out of the four fraudulent accounts previously mentioned in my complaint. However, the specific charge-off account with the amount of {$14000.00} ( Account Number : XXXX  ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only three out of the four fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that XXXX XXXX and Experian may be purposely retaining one charge-off to negatively impact my credit status, keeping me classified as a subprime borrower. 

Furthermore, I would like to express my concerns about Experian 's handling of this matter. Despite my diligent efforts to address the fraudulent accounts and the discrepancies, Experian has not provided a satisfactory resolution. The rapid verification of the information without a thorough investigation and the lack of transparency in providing evidence raise significant concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ). 

In my efforts to report the specific charge-off account as fraudulent to Experian, I have attached all required documents, including the FTC report , government-issued ID, social security card, and utility bill. This comprehensive documentation supports my claim and further emphasizes the urgency of a thorough and accurate investigation by Experian. I demand the immediate deletion of the remaining fraudulent charge-off account in the amount of {$14000.00} from my credit report. 

I urge the Consumer Financial Protection Bureau to scrutinize Experian 's handling of this matter, ensuring compliance with the FCRA and the deletion of the inaccurately reported and remaining fraudulent charge-off account. Your immediate attention to this critical issue is crucial, and I anticipate a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-25
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: The CMI Group, Inc. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, Credit Management Lp ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2024-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (FL)

I attended the school for 3 weeks never recieved a certificate nor any knowledge. It was overpriced and I withdrawn from the school due to lack of education. I was told that I would not be charged and a year later I was called and charged a year later. I asked for documents supporting this charge and never received nothing. I went to the school and they said nothing could be done. I told them and the financial department i will not pay for something i didn't received
Consumer complaint received 2023-05-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}