davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only one ( Experian ) but this information has been left on the back end reporting for a company called ( Experian Rent Bureau ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Consumer complaint received 2022-06-12
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. (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. XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX Auto Financing XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (IN)

This is a third request to get my credco saferent full consumer disclosure.credit report. 

-XX/XX/XXXX, submitted cfpb complaint along with all requested documentation. Credco saferent then stated that they sent consumer file XX/XX/2019. This was a lie. I received a rental property solutions reports, not a saferent report. Per my previous cfpb complaint send me a copy of my credco saferent full consumer disclosure report immediately.
Consumer complaint received 2022-06-12
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. (AR)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.
Consumer complaint received 2022-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting
Consumer complaint received 2022-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (WI)

To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. They called but never sent a letter notifying me of the debt.

They contacted me numerous times. Finally a letter from attorney from HELPS ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/2021 and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

My name is spelled wrong on listings .alias not XXXX XXXX XXXX XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (MI)

Wilmington Savings Funds Society owns my mortgage. They hired a mortgage servicer named XXXX XXXX XXXX XXXX ( XXXX ) to service my loan. Now XXXX have mismanaged my mortgage not applying payments correctly and now I have a delinquency notice even though I have made all payments, In addition my adjustable rate mortgage is adjusting upward approximately 1.5 % in XX/XX/2022. I have been informed Verbally of XXXX things. XXXX that I am not Delinquent and XXXX that my monthly mortgage payment will go down more than {$100.00} per month. I asked if my interest rate is increasing how can my monthly payment go down? They had no answer. I asked if the terms of the loan is being changed and was told no. Still the question is how my rate can increase and my monthly payment go down? My monthly payment can not go down if the terms of the loan don't change. Obviously Wilmington Savings Funds Society and XXXX are colluding to increase their interest profits by illegally changing the terms of the loan. My note terms can not change by contract. The only thing that is allowed to change is the interest rate. Illegal activity is taking place on my account by Wilmington Savings Funds Society by hiring such a corrupt and unethical company to service my loan.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (TX)

This is a test CFPB to prove XXXX XXXX XXXX XXXX ) XXXX XXXX does not read complaints and automatically lists my request/ complaint as a duplicate. CFPB is a game for XXXX and Experian. I have requested the permissible permission to have accessed my credit report by XXXX and Experian. Both companies dodge, pass the buck, and play word games like their children. Today my request is simple - For XXXX - Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017. For this time I am not requesting copy of the permissible permission but just an answer why they refuse. Am I missing something? For Experian- Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017 and why you feel you are justified in passing the buck to XXXX who then ignores and refuses? Am I missing something?
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

3 times I have asked Trans Union to place a statement on my report with them concerning XXXX, twice in writing and once by phone and to send me a new credit report with that statement on it. Trans Union has refused to to add my statement and send a new report with that statement to me. It appears Trans Union is not intrested in the consumer only the Financial institutions!
Consumer complaint received 2022-06-12
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 ( section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 ( they may only report crimes, not debts ) 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 2022-06-12
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 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 2022-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (OR)

I want to complaint about my mortgage, Fay Servicing, aka XXXX XXXX  XXXX, XXXX  as Trustee for XXXX Master XXXX XXXX, c/o XXXX XXXX XXXX attorney for plaintiff, XXXX XXXX XXXX XXXX XXXX. 

Last year in XX/XX/2021 there was a bad winter ice storm with heavy freezing rain in our region that caused a huge tree falling on my house and destroyed it. My family didn't have a place to stay so we went to stay at a shelter for a while. And now, my house had not been rebuild yet because of them. At that same time when my house was destroyed by the huge tree, my mortgage was sold to a new mortgage company called Fay Servicing , LLC. I called to let the new mortgage know about my house was being destroyed by a huge tree and that my family had no place to stay, so they should work things out with me by modify the loan to a lower interest rate and lower the forbearance or other condition that I told them. But they didn't work with me, instead, they put my property in auction. I complainted to the State Attorney office that they shouldn't just forclosed without noticing me and/or they should work with me. I did wrote to ask them to modify the loan or lower the interest rate because it was high interest rate of 5.7 % compared to the current market at that time which was 2 %. They wrote a letter demanding for me to pay them over {$200000.00} in XXXX of XXXX, that's all. No response of any modification of the loan or anything at all. Up until now that they suddenly put us in auction again without any forclosed. There should be step by steps and give a 6 months or more as time frame for a house being forcloed until it can be in auction. But these company did not follow any procedure. They think they have the money and they can just auction whenever they want. That's very bad mortgage service. Also, They don't even care to ask if my daughter who's still in the militaty would interest in buying the property in her name at all. Yeah, they are very bad mortgage service. 

As of now, my house had not been fixed or rebuilt at all because of them. The house was totally damaged and useless. They suddenly put us in auction without any forclosed or not care if there's a house on the property or not. They're asking for a sale of high price totaling {$370000.00}, which we didn't owe them this amount at all. How did they come up with this high price when there was a totally broken and useless house on the land? Even with just the bare land by it self, it won't be this high price at all. They are just very greedy and hungry for money and not caring for me or if there's any house on the land. They are very bad company that should be punish for their wrong doing. They should be charge with big fine.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In late XX/XX/2021, my wife and I started the process of looking for a mortgage to purchase our first home. We settled on Bank of America ( BOA ), despite our lawyer advising against it due to some bad prior experiences. However, BOA provided the lowest rate and closing cost estimate. 

Long story short, our initial mortgage officer ( NMLS # XXXX ) made various mistakes such as quoting me a different interest rate then what was actually provided. The individual was also not aware of what the processing department ( i.e., underwriters ) was doing because I had to inform the officer when the appraisal will happen and when it was done ( information my realtor provided ). Moreover, when an error occurred, the officer kept quiet and avoided responding to my emails, messages, voicemails. After all the incompetence, the officer 's manager ( NMLS # XXXX ) had to step in and take over our file. 

The situation only got worse because the manager told me I had to fire my attorney. After a couple of hours of confusion and panic, the manager told me to ignore the request. Apparently, someone at BOA thought my attorney was the bank 's attorney and did not see the name on an approved list. I also learned that it is typical of BOA to leave things to the last minute mainly because the processing department controls the show. The individual processing our file did not get to it until very last minute. My attorney and the bank 's attorney did not get the final documents until after XXXX the day before the close. There is more to the story, but I will end my complaint here. Avoid BOA for your mortgage!
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act 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 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2021-07-26
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. (TX)

I tried calling Experian about credit inquiries I don't recognize and they're claiming I can't dispute hard inquiries but there's quite a few inquiries I don't recognize on there.
Consumer complaint received 2022-06-12
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have 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 an account without my written instructions
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act, the following are currently in violation of 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. 

TRANS UNION XXXX XXXX XXXX XXXX Balance {$440.00} XXXX Act. # XXXX Opened XXXX Reported XXXX XXXX XXXX Balance {$860.00} XXXX  XXXX Act. # XXXX Opened XXXX Reported TRANS UNION INQUIRY- XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-12
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. (WA)

I am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-12
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. (WA)

I am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (TX)

I have sent XXXX letters to remove personal information from my credit report to Experian. 
XX/XX/XXXX tracking ID XXXX XX/XX/XXXX tracking ID XXXX According to the fair credit reporting act 15 UCS 1681. I have the right to privacy. Also according to 15 USC 6802 No financial institution is not supposed to share my information to a 3rd party people These are a clear violation of my federally protected rights.