davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (VA)

XX/XX/year> My mortgage is with XXXX Mortgage out of XXXX XXXX. 
I owed approximately {$11000.00}. I sent {$11000.00} XXXX through my bill pay in late XX/XX/year>. I received a notice that my check was returned approximately XX/XX/XXXX. Payment is due by the XXXX. I was on vacation and realized that it was returned by XXXX mortgage company and if I didn't jump on this my payment would be late. I sent a check for {$2000.00} which is slightly higher than the required amount. They typically apply the difference to the principle. I also sent an additional {$9000.00} to have that applied to the principle and expected to then once that was applied deal with the small amount to pay off the mortgage. I have called many times to work through this with them and got a verity of answers. Both with there recorded messages and verbally. They did not apply the {$9000.00} to principle but only {$5100.00} to additional monthly payments and rest to escrow. 
I spoke to XXXX who was suppose to go back and rectify this and apply all {$9000.00} to principle and call me back after I sent in a signed document to have this done. He said he would take care of this and call me back. This was the XXXX and now it is the close of business the XXXX and have heard nothing. I can't believe the way this whole thing has been handled from the beginning. The errors that have occurred are all to their benefit. ( late payment if I had not caught it, extending the payments out several months rather than apply to principle, applying funds to escrow rather than principle. ) I had to wait a couple of days to report this because I needed time to cool down.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (GA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681, Section 602 which states I have a right to privacy. 

15 USC 1681, Section 604A Section 2, also states a consumer reporting agency can not furnish any account without my written instructions. 

Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

On XX/XX/year> a fraudulent deduction was taken from my account in the amount of {$19.00} by a company called XXXXXXXX XXXX here in XXXX, Oregon. The company has been permanently closed for sometime and the building is empty. I do not know how this was stolen from my account. But umpqua Bank did have a data breach about a year and a half ago, and maybe this had something to do with it. I am sending my letter of refusal to cover the charges along with my bank statement and a XXXX picture of XXXX XXXX being permanently closed. Umpqua Bank did not need their obligation to cover fraud on my account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2024-09-22
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: EQUIFAX, INC. (NY)

Since the date of last activity has been updated inconsistently across credit bureaus, I am concerned about the accuracy of this account. On Equifax, the last activity is reported as XX/XX/XXXX, on XXXX it's XX/XX/XXXX, and on XXXX it's XX/XX/XXXX. If the information is coming from the original creditor, these dates should be identical. Given these discrepancies, the account can not be considered fully accurate and is therefore deemed inaccurate. I request that this account be removed from my credit report. 
account name : XXXX  account number XXXX
Consumer complaint received 2024-09-22
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)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX have violated all ABOVE laws
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (WI)

XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by BMO Harris. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by BMO Harris that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (MI)

I have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXXXXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX  for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my credit score from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that und

er 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

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 2024-09-20
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)

This company accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that this inquiry would be removed, it still appears on my report. This unauthorized and fraudulent inquiry is causing me significant anxiety, as it may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX of this year i wrote a letter to XXXX, XXXX XXXX Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XXXX & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & Equifax Followed up with another Letter 14 Days later on XX/XX/ and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, XXXX Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, XXXX & Equifax is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (WA)

About XXXX months ago, I received a call from someone claiming to work at a law office. He left a threatening message saying he was about to take me to court and put a lien on my home due to back owed debt. He said he may also reach out to my employer to garnish wages. He said I owed money to a XXXX XXXX XXXX and there was an amount outstanding with interest. I had a credit card nearly XXXX  years ago with that name but as far as I remember it was paid off and the account was closed nearly XXXX  years ago. I checked my credit report and I have XXXX items in collections and no issues on my credit report. I told him to send me a statement with the information. It was never sent to me. 

Today my mother received a threatening message from someone named XXXX XXXX. Here 's the transcription " This is urgent message intended for ( MY NAME ) also known as ( MY Maiden NAME ) my name is XXXX XXXX XXXX XXXX XXXX our office has been retained regarding a pending summons and background investigation being ordered against ( MY NAME ) if no contact is establish with the issuing firm today our field agents will be dispatched to a property address and or any verified place of employment on record it is imperative that ( MY NAME ) _____________ firm today at XXXX and references for case number XXXX a failure to respond to result in an order of noncompliance and a failed ______ to ___________ phone number XXXX case number ( CASE NUMBER ) I called the phone number and it sounded exactly like the same people who were trying to contact me before. The name of the firm was called XXXX XXXX and XXXX ( this is an approximate spelling as it was said over the phone. ) I asked her for the full name of the firm and in which state the firm was practicing. The woman on the other end of the call was very irritated and said she practices in XXXX and stated the law firm 's name slowly and became aggressive. She asked me for my case number over and over again and I hung up. I believe these are the same people who did not send a statement of what was owed and because I have nothing in collections, I felt it was a scam and anything I said was going to be used against me.
Consumer complaint received 2022-11-14
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: LJ Ross Associates (IL)

i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. L J ROSS ASSOC IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-20
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. (CA)

I have identified multiple inaccuracies that require immediate correction. 

First, the XXXX XXXX Account Number XXXX charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading.

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, Equifax, and XXXX ) XXXX Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA.

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by law.