davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
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: National Credit Adjusters, LLC (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT XXXX  # XXXX
Consumer complaint received 2020-07-01
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2020-07-01
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 (TX)

On XX/XX/XXXX CAPITAL ONE accessed my credit file with XXXX, XXXX, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX Capital One sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy Capital One Client. As up to date, XXXX  shows the 3 inquiries ( the XXXX and XXXX one XXXX  and XXXX  took off, plus this precise one ), and both XXXX  and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask Capital One to help on this matter, to avoid having unnecessary discussions with a happy Capital One client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX/2023 XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed XXXX accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX balance : {$110.00} oened : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-08
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. (FL)

I recently checked my credit report and discovered that I am the victim of Identity Theft. There are multiple Accounts/Inquiries on my credit report that I had no knowledge of and have never done business with these companies. I reported the Identity Theft to the Federal Trade Commission and completed an FTC Affidavit detailing the fraudulent information listed on my report. I reported this Fraudulent information all 3 of the Credit Bureaus. The allotted space on the FTC report is limited, so I listed as many accounts and inquiries as the report would allow. The FTC report only allows space for me to list five inquiries. There are over 20 fraudulent inquiries reporting on my file, so I listed as many as I could in the " personal statement '' section of the report. The FTC document only asks for the name of the Company who made the inquiry. It DOES NOT ask for the date of the inquiry. The FTC Report number is # XXXX. Equifax recieved a copy of my FTC report via certified mail on XX/XX/XXXX. When I called Equifax to confirm that my FTC report was received, I spoke to a Fraud Specialist who proceeded to violate my Consumer Rights by refusing to process a dispute of the fraudulent inquiries listed on my credit report. The Equifax Agent alleged that I could not dispute the Fraudulent Inquiries because there were no dates listed next to them. I was willing to clarify the dates over the phone but the Agent refused to dispute them. The Equifax agent 's actions were unlawful and unethical. Pursuant to FCRA 605B, 615 ( f ) & 623 ( a ) ( 6 ), an identity theft report can be used to Block fraudulent information resulting from identity theft and the fraudulent information should be blocked within 4 days of receipt of FTC report by the credit reporting agency. The following inquiries are the result of fraud and include the month and year : XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IN)

this showed up on XXXX XXXX and I want it removed-this has nothing to do with me Amsher Collection Se Opened XX/XX/2020 {$53.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 
Balance {$53.00} Highest Balance {$53.00} Opened XX/XX/2020 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XX/XX/2024 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Reinstatement of Fraudulent Account Dear Equifax compliance officer.

This is a final notice regarding my Identity theft issue before seeking legal Counsel. I have file multiple disputes via certified mail and with the CFPB with no resolution in this matter. Today as I reviewed my credit report, I notice an account that was deleted due to Identity Theft was reinstated on my credit report. I believe that Equifax have failed to permanently block these accounts to prevent them from being re-reported. Equifax has violated the FCRA several time. Willful non-compliance. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. I would like to point out that these accounts were the result of Identity Theft and under FCRA 605 ( B ) I am entitle to the block. 


PLEASE PERMANENTLY BLOCK THE FOLLOWING ACCOUNTS FCRA 605 ( B ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( 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. 

15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper ( the mortgage company ) processed my payment due XX/XX/2021 on XX/XX/2021. Today, XX/XX/XXXX, an additional payment was taken from my checking account, but was not posted to my mortgage account. I did not authorize this additional payment. 

Mr. Cooper claims on their blog that they are working with banks to correct this and should have been corrected before the payment was posted. This didn't happen, however. I am unsure how they intend to reverse possible fees incurred without contacting every individual. My auto payment had to be delayed and money had to be transferred from my savings to cover for their error and prevent a cascade of additional financial issues. The time lost and the interest lost is not being offered to me, and I would like to be compensated for this effort. 

Mr. Cooper is a name change for this company, which has had issues previously with billing and just settled with the government on this issue. It appears they haven't resolved their issues with billing and processors, and they should take their customers ' finances more seriously.
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX, I was sued by Midland Funding LLC ( " MCM '' ), a subsidiary of Encore Capital, for the unpaid XXXX XXXX, debt which was jointly incurred by my former husband and I but was in my name. Before MCM filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. MCM did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt MCM took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. MCM literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that MCM took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, MCM failed to comply with California Rule of Court 3.1385 by failing to immediately alert the Court regarding the settlement. 
XX/XX/XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with MCM to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. MCM attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of MCM 's and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of MCM and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once MCM received my final payment, it reneged on the terms of its own settlement letter. Furthermore, MCM failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent MCM from harming consumers who, in good faith, comply with their settlements with MCM while MCM feels entitled to renege causing consumers to incur additional expenses.
Consumer complaint received 2022-12-03
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: Spring Oaks Capital, LLC (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states as a consumer reporting agent can not furnish a account without my written consent instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open, and a consumer credit plan as late for a purpose.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (TX)

ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last ReportedXX/XX/XXXXCollection Agency XX/XX/XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate
Consumer complaint received 2024-02-07
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. (TX)

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX