davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS : XXXX Amount {$1400.00} Open XXXX XXXX XXXX  XXXX Amount XXXX {$900.00} XXXX XXXX  Amount {$990.00} XXXX XXXX XXXXXXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX  XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXXXXXX XXXX XXXX XXXX Amount {$1000.00} XXXXXXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}
Consumer complaint received 2020-09-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-03-21
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 2020-09-11
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. (TN)

NO RESPONSE OR COMPLIANCE FROM EQUIFAX LLC, OR XXXX SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. ( They should delete these items from my credit report. ) I filed a dispute with EQUIFAX LLC, and XXXX on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on Equifax LLC & XXXX listed below : 1. XXXX XXXX  XXXX Unverified Account 2. XXXX XXXXXXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : Us Sm Bus Admin Oda - Inquiry Date : XXXX XXXX. Creditor : XXXX XXXX XXXX  - XXXX XXXX : XXXX. 

Name of Equifax negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XXXX - 3. Creditor : XXXX XXXX XXXX - Inquiry Date : XXXX. 

I advised Equifax LLC and XXXX  that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised Equifax LLC and XXXX  that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Well, Experian always uses the lowest score cs the other bureaus and Experian is always updating late information. 

One company told me that experian uses scores 2-9 most use the highest score on a scale of 8. This practice I find is highly unconscionable to hard working citizens. Mostly all of the bureaus have been confiscated of our private information in some way shape or form. Yet, experian is the only bureau that will report rental history and updates behind and uses the last lowest score above all the rest. Can anyone look into this and do something about these bureaus reporting incorrect information?
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-21
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: Informative Research (GA)

I have had no contact ( authorized or otherwise ... no accounts and no knowledge as to who these companies are ) who are making hard inqueries on my credit that are driving down my credit score. I dispute these inquiries and request that they be removed immediately.
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (AL)

I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.
Consumer complaint received 2021-02-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

In XX/XX/XXXX we requested a 6 month forbearance of our USDA loan that is guaranteed by and in accordance with the CARES act of XXXX. Our mortgage company is Rushmore Loan Service Management, which is basically a loan collection service. 
Throughout the whole six months and now beyond, Rushmore has insisted on treating us as a debt that is overdue and that they are trying to collect. They refused to acknowledge the CARES act and tried giving us 3 month forbearances which they were 'choosing ' to grant. They tried to say we were late on the XX/XX/XXXX payment so that the CARES act would not apply. They pretty well did everything you would expect a debt collection service to do, even sending someone by our house about the 'debt '. We have sent them numerous letters with the USDA forbearance guidelines included, and still they insist on saying our loan is overdue and the 6 months payments are due immediately. 
We did not request a 2nd 6 month forbearance and resumed making our regular monthly payments on XX/XX/XXXX. They have accepted each payment while still insisting that we owe $ XXXX immediately. Today we received more letters indicating they are 'reviewing ' our requested loan modification as part of our 'home retention package ' and they will have their decision in 30 days. Another letter says they are appraising our property and may make us pay for this process. 
We hold that per CARES they have no right to do any of these actions. We properly and in a timely manner requested our forbearance and resumed our payments. They have the right to determine if we are capable of making the payments, but as we have never missed a payment prior and are currently making payments as we speak, they sufficiently have their answer. 
Rushmore bought into the mortgage business by purchasing US guaranteed home loans specifically for the purpose of foreclosing on these guaranteed loans if at all possible. Their aim is not home retention but home foreclosure. Every step of the way they have acted like they are eager to foreclose on our home. We have had this mortgage for over 7 years ( since XX/XX/XXXX ) and have never missed a payment on it. They took over our loan 2 years ago ( XXXX ) and we have never missed a payment on it other than the 6 month forbearance. 
We request that your agency act within your guidelines to provide assistance in this matter.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I received a credit reporting alert email from my current bank XXXX but actually I read the email on XX/XX/XXXX when I got the 2nd alert. It states I have an account with a past-due balance of {$4700.00} with Bank of America. 
But I don't have any account with Bank of America because last year I called and requested to close the only one credit card I had had. Due to this my credit score went down by around 200 points to poor, so I filed a dispute on XX/XX/XXXX with XXXX. 
Also, I contacted Bank of America Fraud Report phone number the same day XX/XX/XXXX and they confirmed they have no open accounts associated with my social number. 
However, the credit report showing incorrectly there still is an open Bank of America credit card which I never opened.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. These creditors did not have permissible purpose to pull my credit and I would like an investigation into the following : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX via XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

On several dates which began XX/XX/XXXX thru and including XX/XX/XXXX transactions via Zelle were made by XXXX XXXX from my XXXX bank account to her XXXX XXXX account without my knowledge or authorization. Her phone number is : XXXX and her address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Her email is : XXXX and XXXX. 

When I checked my account and noticed the missing funds I notified XXXX and they applied a temporary credit to my account. The following are the transactions : XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - four ( 4 ) transactions of {$500.00} = {$2000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - one ( 1 ) transaction of {$900.00} = {$900.00} XX/XX/XXXX - one ( 1 ) transaction of {$500.00} = {$500.00} XX/XX/XXXX - one ( 1 ) transaction of {$120.00} = {$120.00} The above transactions total {$6500.00} this theft overdrew my account which caused me great deal of financial hardship not the least of which was my rent payment. To add salt to the wound XXXX without any clear explanation reversed the credit and proceeded to charge my overdrawn account various banking fees. 
I contacted the customer claims department more than once, asked for supervisors and went into a local branch where the person there did exactly what I have been doing. She called the customer claims dept only to be told ( as I have been ) the claim was denied due to it have been done via my phone. I explained to the claims dept that the person had photographed my chase debit card ( as well as other credit cards ), stole my license and my XXXX. XXXX asserts that they had no responsibility to me as their customer to alert me when the transactions were made as there was nothing that stood out as possible fraud. I questioned them since when I have tried to make purchases myself for example at the XXXX store I would receive a fraud alert and yet 4 transactions of {$500.00} within seconds of each other on XX/XX/XXXX did not apparently cause concern and raise a red flag for me to be contacted. I have proceeded to contact the executive office in NY corporate office and XXXX at XXXX ext.XXXX was investigating the matter ( ref # XXXX. Since my contact with the executive office was on XX/XX/XXXX and I had not heard back from XXXX I contacted her today and she regurgitated that the claim is denied and she would be unable to credit the fees which are approximately {$300.00}. She did state that she escalated the matter for further investigation however, she stated that the claim would still be denied. That made absolutely no sense. XXXX has failed to protect me their customer and allowed a thief to perpetrate bank and internet fraud against me via another scam of an entity ZELLE. 
I am requesting assistance from the OCC as I have enormous medical bills that are a result of the trauma that this person XXXX XXXX has caused me.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My mortgage loan was sold to Carrington Mortgage. They are suppose to be applying the loan modification to my account to bring it current. They have refused to do this. They have had my loan for almost 6 months now. They also put me in a Covid-19 program. I never asked to be placed in this program, I never signed up for it!! They have threatened to foreclose on my home. I started making payments in XX/XX/2021 based on the loan modification set up with XXXX XXXX XXXX, I have been paying. Carrington Mortgage sent a letter today saying the Covid-19 program I signed up for has ended, they have been reaching out to me about making payments on my mortgage???!!!!! They have not reached out to me I have bene reaching otu them since day 1 and not one has helped me with getting the loan modification applied to my mortgage to bring the account up to date. I have spoken MULTIPLE times to XXXX XXXX with Carrington Mortgage. She initially told me they dont have the loan modification, I faxed what I had more than 50 times to them. She now says oh we have it, wejust needs to be processed.?? I feel like they are trying to take my home by not processing the loan modification. I got the letter about the covid-19 program today. That disproves anything she has told me. I need HELP. I am doing the right thing I am making payments like I should Carrington Mortgage and XXXX XXXX have horribly mishandled my Mortgage. They should not be able to get away with this. I feel mostly that everything they tell me is a lie. They are trying to take my home. I am stressed, worried daily. I have XXXX and XXXX with all of this. I am trying to do this on my own with not results. HELP ME!!!!!!
Consumer complaint received 2022-09-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2021-07-08
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: WELLS FARGO & COMPANY (NC)

I submitted a previous complaint about Wells Fargo and the processes they went through with my loan as well as the XXXX XXXX dealership, the incorrect information was placed on my initial application. Instead of correcting the information with Wells Fargo the dealership opened a completely different loan on XX/XX/XXXX XXXX weeks after the initial loan was set up. Wells Fargo checked my credit for a second time after I reached out to them and explained the situation they advised it would be corrected, they did not correct the credit check situation for me as of todays date. I have reached out to them multiple times they have still not corrected the situation. Wells Fargo also returned a check I sent to them to refinance the car on XX/XX/XXXX is when they receive and cash it, after telling me they would just place the check on the correct loan and that there was nothing for me to worry about, taking possession of the loan back even though they were no longer the lien holders on XX/XX/XXXX. Wells Fargo reached out to me to request information to speak to my credit union in regards to the mistake asking them to correct it and redo the loan. I spoke with my bank and authorized them to reopen a loan for them again paying the same amount that we initially paid {$19000.00} because that was all that was owed to Wells Fargo. Wells Fargo told my credit union the pay off was in the amount of {$19000.00} charging me almost {$200.00} additional charges in interest when I had already paid and accumulated interest with my credit union. The higher amount also caused my monthly payments to increase luckily I have a good enough relationship with my credit union that they did not check my credit union especially with this being the 3rd time they had to rewrite this loan. I reached out to Wells Fargo in regards to this matter again on XX/XX/XXXX and they advised someone in the escalation department would be getting in touch with me no one has gotten in touch with me in regards to this matter as of todays date. My credit has continued to go down because of not only the credit checks but also the opening and closing of all these accounts and no matter how many times I reach all they ever say is its taken care of or someone will get back to you. I have been dealing with this situation for almost 3 months and it is still not resolved. This is my second complaint I have had to file the first one I did was before the payment of the loan issue. I talked to other past clients of wells fargo and they told me they had also had issues with Wells Fargo when it comes to loans.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX  and XXXX XXXX  and was advised that my insurance would not cover the multiple elements of the XXXX  and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX  a few months later stating that I owed the money for the XXXX  from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018