davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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. (IL)

The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the XXXX participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc. (TX)

XX/XX/19. Amsher Collections reporter a debt to XXXX  in the amount of {$850.00}. Which if inaccurate. Amsher represents XXXX XXXX . Which I had derive for 2 month and cancelled and returne my phone to them. They continue to say I owe the above amount. Which is false I have spoke to XXXX XXXX 4 times and have gotten no where which then. I have tracking of phone showing they received it etc. XXXX  is not taking this off my report after I disputed it with my evidence
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 2021-07-06
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. (VA)

To Whom It May Concern : I am a victim of identity theft and I have recently found another account that has been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$320.00} to XXXX XXXX XXXX 
This account is not mine. In fact, Equifax recently completed an investigation on this same amount that XXXX XXXX XXXX is claiming that I owe. The investigation results were completed on XXXX and you mailed me a copy of this deletion with a confirmation # of XXXX stating that this account had been deleted. 
Additionally, XXXX and XXXX completed an investigation as well and had the account deleted and removed from my credit report as well. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for this illegal account. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX  XXXX  XXXX  has created several fraudulent accounts over the years ( scroll to page 8 ) FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX 
Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
XXXX  Deletion notice from Consumer Financial Protection Bureau Complaint Case ID XXXX XXXX Deletion notice from Consumer Financial Protection Bureau Complaint Case ID XXXX Equifax Deletion notice from my credit report with confirmation # XXXX Please have this account removed immediately from my credit report. 
Because as I mentioned this item has been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report.
Consumer complaint received 2021-07-06
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. (NY)

Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX
Consumer complaint received 2021-02-10
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. (PA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-07-06
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. (MS)

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (AL)

Among other poor business practices, I was lied to by XXXX XXXX, a BB & T mortgage lender at my bank. She told me to sell a vehicle to get the debt out of my name and then she could give me a 3.75 or better rate on a refi mortgage. 
I told her I could have my son purchase the vehicle to get it out of my name but it would cost me a lot of money to do so. She promised me that if I sold it she could complete the mortgage. After I sold my vehicle to get it out of f my name she said she could not give me the mortgage after all. 
Additionally, I told Ms XXXX that time was of the essence when I contacted her about my mortgage refinancing needs. She assured me it would not take long. Over three months later with little communication from her ; and asking me to get a vehicle out of my name. ( I had to initiate all calls, texts etc. ) I was turned down.
Consumer complaint received 2021-09-14
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (TX)

I received a notice from a collection agency by the name of credit Corp. solutions they stated that I owe the balance to XXXX in the amount of $ XXXX.I contacted XXXX directly they stated that they do not use the credit company and that I did not have a balance and then contacted the credit Corp. solutions and advise them that this was false information and that they were fishing they are vies me that this was an actual date and that I needed to make a payment but when I contacted the original creditor this was not a debt that I owe
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC. (NC)

I've been trying to dispute an error on all three of my credit bureau reports. All three show a 30 day late payment on XX/XX/XXXX. I've complained to Plaza Home Mortgage who continued to stated their records are accurate. I complained to the CFPB and on XX/XX/XXXX and prompted another investigation and found that my last payment received was XX/XX/XXXX. 

I have a letter from Plaza Home Mortgage dated XX/XX/XXXX apologizing for the inconvenience and frustration. They stated the the corrections to the credit bureaus were completed as of XX/XX/XXXX and that it may take up to 90 days for credit bureaus to process. It's been well over 90 days and my credit reports still show 30 days late payment. I've disputed with all three credit bureaus and all three have declined to fix it stating their information is accurate. 

I've called and emailed Plaza Home Mortgage multiple times. They've asked for written requests for information which I've done on three separate occasions. Today, I spoke to two different representatives. The first stated they've done all they could do and I need to dispute with the credit bureaus. When I replied that I've done that multiple times, she stated that I need to talk to the head of these credit bureaus. Later, she passed me onto another representative who instructed that I put in another written request. She stated that my account was fixed on XX/XX/XXXX and that it has been reported to the credit bureaus, but that she could not give me a statement stating as such, but suggested I request it in an email. I've done this multiple times already. 

I'm in the process of purchasing a home. I've already been preapproved. I need my credit reports to be stellar to qualify for the best loan. Time is of the essence. I need this fixed before I actually apply for the loan. It's ludicrous to have a incorrect information on my credit report and my husband 's credit report when I have a letter stating we paid on time. Please assist me in this matter and fix this on my credit report and my husband 's credit report.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I OTAIN A LOAN IN XXXX FROM XXXX XXXX XXXX XXXX THEY RETURN FILE IT IN A BOGUS TRUST THAT WAS FAKE THE FEDERAL GOVERMENT SHUT THE MORTGAGE DOWN IN XXXX MY PAYMENT WENT UP FROM XXXX TO XXXX IN A YEAR I MANAGE TO PAY IT UNTIL XXXX, A COMPANY CALL WITH NAME CARRINGTON MORTGAGE TO SEND PAYMENTS TO THEM XX/XX/XXXX XXXX SO I DID IN XX/XX/XXXX I WROTE THEM ASKING TO VALIDATE MY LOANS AND ALL THE PAYMENTS THE SAID THAT THEY COULD NOT ONLY COULD DO XXXX I DISCOVERSD THEY WAS THE WRONG COMPANY THAT I WAS PAYING I STOPED IN XXXX A FORECLOSER WAS FILE I FOUND THAT A FAKE MORTGAGE ASSINGMEMT WAS FILED IN THE COURTS XXXX THEY DROPED THE CASE AFTER LOOSEING A SUMMARY JUDGEMENT CAN BACK IN XX/XX/XXXX CASE NUMBER XXXX IN XXXXI FILED A MOTION TO STRIKE THE FAKE ASSINGMENT FROM THE RECORD THE ASSINGMENT WAS THE SUBJECT MATTER OF THE FORECLOSER GAVE THE STANDING TO FORECLOSE, COURT GRANTED ME THE MOTION BECAUSE THE WERE NOT THE RIGHT PARTY .XXXX XXXX XXXX XXXX AS TRUSTEE IS THE ONE WHO SUPPOSEDLY FORECLOSEING BUT THE TRUST DONT EXIST DBNT HAS A VERY LONG HISTORY OF CRIMES MORTGAGE FRAUD TAX EVASION MONEY LAUNDERING BILLIONS OF DOLLARS IN FINES THE HAVE CORRUPTED LAWERS FILEING FAKE DOCUMEMTS IN COURT THEY FILED A MOTION TO DENY MY RIGHTS TO A JURY TRAIL A YEAR AGO MOTION PENDING, SO THEY FILE A ORDER TOHAVE THE MASTER AND EQUTY JUDGE XXXX XXXX SO HE RECUSE HIM SELF WITH OUT A HEARING DUE PROCESS SO HE PICK A SPEACIAL REFEREE XXXX XXXX XXXX .NOW XXXX XXXX AND THE BANK LAWER WHO ARE TRYING TO FORECLOSE XXXX XXXX WORKED IN THE SAME LAW FIRM AT ONE TIME THE JUDGE SHOULD HAVE NONE THIS THIS CASE SHOULD BE SCHEDULED TO BE HEARD BY A JURY IN CIRCUIT COURT JUDGE THE ARE TRYING TO GET THE COURTS TO DO DIRTY WORK BECAUSE THE LIED AND CANT PROVE THEY HAVE THE RIGHTS TO FORECLOSE THEY ARE SO CORRUPED I FEAR FOR THE SAFTY OF MY FAMILY I CAN EXPLAIN IN MORE DETAILS IF NEEDED PHONE NUMBER XXXX I AM GOIN TO TURN THIS OVER TO THE FBI ITS TO DANGEROUS THE BEEN HARASSING MY FAMILY AND TRYING TO FORECLOSE FOR 12 YEARS I HAVE A LAWER AND HE IS AFRAID I AM A XXXX XXXX  XXXX XXXX XXXX XXXX I FOUGTH FOR MY COUNTRY NOW I FIGHTING TO SAVE MY HOUSE IN THE COUNTRY I WAS WILLING TO DIE FOR THANKS
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (IL)

I have an FHA Mortgage and took a Partial claims loan for some miss mortgage payments when my mortgage was in forebearance. I sold my home and submitted my request to get the payoff amount for the Partial claims loan on XX/XX/2021. The website says to please allow 6 days for the payoff amount. My house sold on XX/XX/XXXX and I went through closing. The closing company heldback 1 and a half time my 2nd mortgage amount at closing until we could get a payoff from HUD. Apparently the payoff requests are processed through a 3rd party because i had to email the request to XXXX. 
I have placed calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ( each time waiting at least 40 minutes before i could speak with someone ). No one can tell me anything. They all admit that my request was submitted properly and that they will escalate the complaint or have someone call me and they never do. It is XX/XX/XXXX now 21 days after my request for the payoff and no one will let me speak to a supervisor or anything..it 's the same old thing, we will escalate your complaint. A lot of good that has done! I have thousands of dollars from the sale of my home being held up.I have no recourse but to wait..but for how long..this could go on for months or years..no one will give me a straight answer.
Consumer complaint received 2022-10-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-31
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)

Whoever at Experian is reading this, please read carefully. XXXX XXXX XXXX XXXX does not read nor address. I am hoping Experian will start reading. 
XXXX XXXX XXXX XXXX ( XXXX ) & Experian should stop playing childish games and focus for a time to get the following addressed. XXXX attached response is incorrect as follows : XXXX ) The attached letter reflects XXXX did not have permissible permission to access my credit report in XXXX XXXX and offered to remove inquiry from XXXX years ago. 
XXXX ) This is STUPID because XXXX is aware that an inquiry is not on a credit report XXXX years later but I am sure there is some low paid or illiterate employee that laughed by sending the attached letter. 
XXXX ) XXXX references in attached letter that inquiry was XX/XX/2017 when attached permissible permission is dated XX/XX/2017. 
XXXX ) XXXX and Experian did not have permission to release my information on XX/XX/2017 but received a forged app the next day. 

This is absolute proof that my credit report was pulled prior to any permission. I have always contested that the XXXX loan was fraudulent. But when I say fraudulent, XXXX then requires more of my personal information when they hadnt any right to have my information in the first place!!! And I refused and chose to protect my information from XXXX companies that are totally unorganized. I have sent sheriffs reports, information of the thief who is in the attached application, etc etc etc but Experian and XXXX are to unorganized, illiterate, or playing too many games to conduct professional business.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Submitted dispute regarding XXXX account on 3 separate occasions. Experian allegedly verified it each time. This account was to be removed from my report due to a settlement agreement with the attorney generals office. 
XXXX removed the account from both XXXX XXXX XXXX XXXX there would be no way it would be verfied with Experian. I want proof in writing that XXXX specifically instructed Experian to keep reporting it as accurate. 
I am incurring damages as a direct result of Experian violations and failure to maintain procedures to ensure maximum possible accuracy.
Consumer complaint received 2021-09-14
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: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2021, Chrysler Capital obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.