davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My mortgage was serviced by XXXX XXXX at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to XXXX XXXX ( XXXX ). 

XXXX XXXX assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at XXXX XXXX, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, XXXX ( d/b/a XXXX XXXX ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with XXXX XXXX about the modification program since the loan was transferred and I have made 3 payments since the modification started.
Consumer complaint received 2024-02-18
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 do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts were opened fraudulently with this creditor and MUST be removed from my credit report : XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00}
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

Spring Oaks Capital : ( 2 accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX {$900.00} Description : Spring Oaks Capital has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from Spring Oaks were on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-02-18
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. (GA)

The information contained in your reporting to the credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of further reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX
Consumer complaint received 2021-10-06
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: WELLS FARGO & COMPANY (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2024-02-18
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. (FL)

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2020-05-16
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: Fidelity National Information Services, Inc. (FNIS) (OK)

XXXX  XXXX XXXX is reporting a fraudulent account opened on XX/XX/2019 to ChexSystems and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to XXXX  XXXX XXXX, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported immediately.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting.Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. 

1. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$790.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$3000.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$1100.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, ( XXXX XXXX )
Consumer complaint received 2016-09-12
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (CA)

I applied for a private student loan through Sallie Mae. I checked out my credit score prior and I am even working with XXXX to make sure my credit is up to date and good. My credit score is good which is XXXX. They did not approve me for a private loan for my XXXX which would mean that I would eventually be making XXXX starting out after getting my degree. I am now making roughly XXXX. I think they discriminated against me because I am a single parent, minority and my age which is XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

After checking my credit report I still have accounts and reporting and inquiries that I have no knowledge of I have disputed before with equifax about other accounts that have been removed but the following still remain. Accounts : XXXX XXXX ( creditone original lender ). XXXX XXXXXXXX ( date opened XXXX ) XXXX XXXX ( date opened XXXX ) I have not provided verbal or written consent to open up these accounts for them to be reported on my credit report these accounts are fraudulent and must be removed immediately as stated by the Law
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date 2times..Please delete account from my credit report
Consumer complaint received 2024-02-17
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. (LA)

I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, Equifax, and XXXX. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Consumer complaint received 2020-07-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NJ)

As a young man with minor responsibilities I went into school to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a student I made the decision to get married to the love of my life and then came our beautiful two children. My responsibilities increased as my family depended on me. I had to divide my time to attending school, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a student has stretched out into part time student credits. Up until now, I still am a XXXX XXXX  trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. 

I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. 
I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

Creditor Contact DetailsXXXX XXXX, WIXXXX ( XXXX ) XXXX purchased an item at XXXX, My credit limit is {$100.00}, I told the cashier that, I told her I would pay the remaining balance that exceeding {$100.00} in cash. I did that. When I got the bill it was {$110.00}, which I paid in full before the due date. Now I find it lowered my credit score to no fault of my own. 

Please fix the error, as I am looking at purchasing a home soon. 

thank you. 

XXXX XXXX XXXXPayment HistoryXX/XX/XXXX OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OK2011 OK OK OK OK OK OK OK
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (TX)

I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXXXXXX XXXX and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX XXXX has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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