davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (GA)

XXXX XXXX XXXX applied for a mortgage in XX/XX/XXXX with American Financial Network. XXXX XXXX a entrepreneur had to amend his tax return after it was discovered that the previous tax preparer took more unwanted deductions that he desired. XXXX XXXX was instructed to amend the returns by XXXX. XXXX waited months on end for the IRS to receive the documents and initiate the process of amending the returns. In XX/XX/XXXX XXXX received his pre-approval letter and starting the process of searching for a home with his realtor. 
After months of searching with his pre-approval in tow he secured a contract on a property. XXXX found a property that was half of the pre approved amount. XXXX went through the entire process and did and paid everything that he was instructed to do by the mortgage lender XXXX. Inspections, appraisals, earnest money, which alone was nearing 8k or more. 
XXXX XXXX only went through the process because lender gave the pre-approval. Then the amended tax return was received by the IRS but not processed and the transaction stalled. XXXX was told by XXXX that if he could get something showing the that the IRS had received the return we could move forward. The IRS could not per their internal rules and regs send anything in writing but we obtained and audio with the IRS agents id number, name and they stated that XXXX XXXX XXXX XXXX tax returns were received but had not been processed due to the global pandemic. Once the condition was satisfied they still didn't move forward but came back with another condition. Now we were told that this file went up to the highest underwriters within the company and they were they ones who said this condition would be satisfied with evidence of the return being received. Nothing, no traction. Then guess the tax return gets processed and that was the one thing that we had been waiting on and when that happens still no traction. The mental anguish, and financial burden this puts on a person is very taxing. Most of all XXXX XXXX was trying to provide a home for his XXXX minor children but since he was not able to receive the financing he wants to be reimbursed the money that was tied to this property based on the pre-approval and underwriting process which he feels he met every condition and leaped over every hurdle. This is not a practice that a mortgage lender should engage in because it may look like a individual is being singled because he met every requirement that was asked of him,
Consumer complaint received 2022-08-22
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish Equifax has been convicted of furnishing incorrect scores and it has affected me I have high interest rates and credit denials. 

Accounts : XXXX XXXX : {$770.00} XXXX : {$260.00} XXXX XXXX : {$530.00} Hard Inquires : XXXX XXXX
Consumer complaint received 2022-11-05
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. (GA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (MA)

Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX  and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, Equifax, XXXX  and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation. 


XXXX, Equifax and XXXX  has NOT provided me with who verified these accounts? 
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 are required to promptly DELETE all information which can not be verified.

XXXX, Equifax and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (CA)

I have 8 refinance loans in progress with Sprout Mortgage. On 6 of them, they did not send out Edisclosures within the 3 day period, so far 6 of those loans in, they requested me to resubmit the files, They admitted that it was their fault and so that they would try to send out Edisclosures in a timely manner this time As according to them the loans are out of compliance One of my borrowers has already cancelled their loan because it was taking too long Most of these files Sprout has had over 75 days One client that I have 5 loans in progress is ready to walk away This is not the way to run a company, it's the worst lender I have ever dealt with My reputation to my clients is getting smeared in the process as they think it's my fault
Consumer complaint received 2022-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (UT)

My wife received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Second notice of unpaid fees informing us that we owe for unpaid tolls in DE. Her and I both live in Utah and have not been to Delaware in 7 years. After looking up this law firm this seems to be common practice for them. Multiple people have complained to the XXXX  about this exact same scenario from DE to CA regarding tolls. More so aimed towards the elderly. I urge federal consumer finance to please look into these complaints registered with the XXXX XXXX XXXX
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (CA)

this is a follow request to my complain with Pacific Bay Lending. Based on my experience in mortgage industry. this company is not adhering to ECOA and Reg B guidelines. My loan was not decisioned within first 30 days of application. My loan is at day 45 and still no decision. Rate has now expired. Being in the business and industry when i spoke with the account executive XXXX he said " We were unprepared for this amount of volume '' and that since i am in the business i should understand this. This is not a valid excuse to not adhere to ECOA and RegB guidelines. I expect a follow up investigation in this companies untimely and " unpreparedness '' This is unfair to unknowing clients where fees and costs will be passed down to the client when the delays have all been on lenders end.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive applied for a credit increase from Capital One for my MasterCard account ending in XXXX and they will not increase my credit despite my excellent payment history or time Ive been with them which is completely unfair ... Ive called Capital One about this and they say its out of their control ... Dates I requested credit increase are as follows ; XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ... the responses given to me by Capital One are as follows ; A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.A credit limit increase on your account is not currently available upon request ...
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

Good afternoon, So I apply for chase credit card on XXXX XXXX and credit was pulled from XXXX. I got a message saying my they will. So two days later I called chase bank to know the status of my application. I was told I had to verify myself which I did by answering a few questions. They told me that I will receive something in the mail in 7 to 10 days. When I got the letter they said they canceled the application because they thought that someone was applying in my name. If I was the one that apply, to called them, which I did. After calling the reconsideration line, I was told by a supervisor they was going to do a manual review and I was going to get a decision in the mail in 7 to 10 days after they reviewOmg my application. My question if you thought someone was applying for credit card in my name you would of called the number on the application to verify information on my credit report that it was me on  the day I apply or the next day. So here we are XX/XX/2020 and I never received a letter of the decision on my credit card application. My score at the time was XXXX on XXXX.
Consumer complaint received 2020-10-02
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. (PA)

I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.
Consumer complaint received 2022-06-23
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. (PA)

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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

After getting my free annual credit reports in XX/XX/XXXX, I noticed a problem with a late payment with XXXX XXXX XXXX. I disputed the claim with all 3 credit reports, but all were declined because I did not provide proof of my claim that I was not late. Yesterday, I got my free credit reports from 2 of the 3 credit bureaus. The problem with XXXX XXXX XXXX still exists because I did not handle it. My fault. So, I disputed the claim with XXXX XXXX XXXX yesterday with XXXX. They accepted my dispute again with no problem, and this time I provided proof by attaching files with my dispute. BUT EXPERIAN FLAT OUT REFUSED TO ACCEPT MY DISPUTE! They stated that they already reviewed the matter. So, my complaint is about whether or not they are allowed to refuse my dispute? There are too many rules, regulations, and laws involved looking into this. If XXXX accepted it with no problem, how is it Experian is able to reject my dispute a year later? And as soon as I can access my XXXX credit report, I will dispute the same thing again. Is it legal that Experian is able to pick and choose, or reject someone's dispute on their credit file? How are people going to dont o be able to fix problems with their credit files if credit reporting agencies like Experian can do what they want when they want? Date generated : XX/XX/XXXX Report # XXXX.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report in XXXX of XXXX, I discovered Experian recorded a charge-off on a joint account I had with XXXX   XXXX  ( now XXXX  XXXX  ), account number XXXX, in XXXX of XXXX. I did not dispute the charge-off ; however, the account was paid in full on XX/XX/XXXX. I provided Experian with a signed letter from XXXX XXXX indicating that was factual. I requested this information be added. Experian changed the finding to indicate the account as : " Paid -was a charge-off. '' Once this was corrected, Experian indicated the " charge-off '' occurred on the month I initiated the dispute, which was XXXX and XXXX of XXXX. Since the negative activity is maintained for 7 years, I contacted Experian again and requested the negative reporting be moved to the original date, or no later than XXXX of XXXX since the loan was fully paid that month. Experian responded by leaving the negative reporting in XXXX and XXXX of XXXX, and added two more months of a " charge-off '' in XXXX and XXXX of XXXX. The third request I made to Experian resulted in a " charge-off '' showing up in XXXX and XXXX of XXXX. This pattern continued each request I made to place the negative activity back to XXXX of XXXX. I am at a loss and have no doubt that further request to Experian will result in additional charge-offs showing on my credit. 

The negative information, which should be minimalized due to the time frame, continues to have a negative impact on my credit due to Experian 's failure to correctly report the facts. I accepted the responsibility for the loan by co-signing for my child and never disputed the charge-off. However, the account was paid in full in XXXX. I did not have that account with XXXX/XXXX  in XXXX, XXXX, XXXX, or XXXX and should not be continually penalized for requesting the CORRECT information be reported.