davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX i purchased my home paid in full. On XX/XX/XXXX I received a foreclosure notice from XXXX. XXXX XXXX they explained that there is a loan in the amount of {$270000.00} which I did not request. I immediately contact XXXX XXXX ( broker ) who assist with the purchasing of my home. He explained that it was just a case that he forgot to record documents with XXXX XXXX clerk. I them requested documents from the lender and submitted a police report and fraud claim. I am pending response from the XXXX Department at Shellpoint. I am seeking resolution to have foreclosure stop and to have loan removed from my home This is fraud I did not request a loan. On XX/XX/XXXX XXXX XXXX requested an extension on the loan fraudulent signature and submit to lender. 

Broker information XXXX XXXX XXXX XXXX ID : XXXX Phone : XXXX Office Locations : Company NMLS ID XXXX XXXX Address City State Zip Code Start Date XXXX XXXX Mortgage XXXX XXXX Main XXXX XXXX Ct XXXX CA XXXX XX/XX/XXXX XXXX Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX XX/XX/XXXX
Consumer complaint received 2022-11-22
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. (CO)

On XX/XX/XXXX, XXXX I sent Experian a letter to remove inaccurate personal information from my credit report that they are reporting. I sent my drivers license and a copy of a utility bill to support my claims of inaccurate info. It is now XXXX and they still are reporting this information. This is very harmful to my credit, as there are names that aren't even the same last name as me, and addresses Ive never lived at. This needs to be removed immediately. 

Ive enclosed the original letter as well as a copy of my credit report for reference.Ive also enclosed my drivers license and a utility bill again.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC (OH)

This company is calling me & leaving voicemails all day every day. I have 3 just from today 2 from yesterday & 3 from the day before they have been doing this for months I block the number & they spoof it to make it look like its someone calling me from my area. It is illegal to call more than 7 times in a 7 day period & they should not be calling me after XXXX
Consumer complaint received 2022-07-13
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MA)

FRAUD/DEED THEFT : WellsFargo was informed through a CFSB complaint that there was fraudulent activity on the mortgage and someone was requesting a loan payoff amount to access the equity in the home ( XXXX ). WellsFargo informed me that the third-party was not authorized and I was the only authorized person on my brothers mortgage. The mortgage payments were current and there was XXXX late fee of {$56.00}. However, on XX/XX/year>, I received an email from WellsFargo that the loan had been paid off. I am the only authorized person for the mortgage and was not contacted by the lender prior to providing a loan payoff amount or any details of the mortgage transaction. The lender was informed several months ago and assured me of the steps that were been taken to protect my brother. There was no due diligence performed allowing a fraud to be committed on a property owned by a permanently XXXX person. This requires an investigation of what took place despite the prior warning and the transaction has to be reversed.
Consumer complaint received 2022-07-13
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. (MO)

I am submitting this complaint through the CFPB to inform the Credit Bureaus that they have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the fraudulent information on my Credit Report. I have been sending dispute letters to the Credit Bureaus from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my Personal Information. The items I am deputing resulted from the theft of my Identity and neither did I received anything in exchange nor benefits as the result of the Identity Theft. The Credit Bureaus are required to remove the items I am Disputing under the Fair Credit reporting Act section 605b, however, the Credit Bureaus have failed to do so. I am once again, requesting that the Credit Bureaus to immediately delete the following items : XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to XXXX ( f ) and except as provided in XXXX ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX
Consumer complaint received 2022-07-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX ) XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00}, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was receiving a payment for a model I was selling and the payment was sent thru Zelle. I recieved an email stating I need to upgrade my account to a business account and needed to reimburse the sender of the funds. This happened a few times leaving me with very low funds in my account. Amount lost {$1100.00} Problem # XXXX I was purchasing some good electronics, the person asked for more money to pay for the shipping and insurance, I sent more funds to help them out. Again funds were sent thru Zelle  Amount lost {$700.00}
Consumer complaint received 2022-11-27
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. (MD)

I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my Experian credit report that I dont have an account with. The account looks like its with XXXX XXXX.
Consumer complaint received 2022-11-22
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: Convergent Resources, Inc. (FL)

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

Account name : Convergent Outsourcings XXXX XXXX {$2200.00}, 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 2022-07-13
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 XXXX : XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} XXXX : XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-11
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)

I have unauthorized inquiries on my Experian credit report the names are XXXX. XXXXd XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.
Consumer complaint received 2022-07-13
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. (DE)

In accordance with the Fair Credit Reporting act 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 2022-07-13
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-13
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Consumer complaint received 2022-10-11
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: CREDIT ACCEPTANCE CORPORATION (PA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 : SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S 1605 DETERMINATION OF FINANCE CHARGE : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


CREDIT ACCEPTANCE CORP XX/XX/XXXX UNTIL XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX XXXX not relating to any transaction by myself, XXXX XXXX and Transunion are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and XXXX and Transunion refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.