davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (LA)

I have no relation to this fraudulent account titled XXXXDEPT OF ED ( XXXX XXXX XXXX XXXX XXXX  XXXX on my credit report. I have not received any service or product from XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AR)

If you will notice this is the exact amount charged off by stage XXXX  I was under the impression it was gone XXXX this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without XXXX XXXX men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Consumer complaint received 2022-11-28
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: Westlake Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my Westlake account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a single mom with XXXX children, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (MI)

I have sent numerous letters to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 about inaccurate credit reporting between the 3 agencies via certified mail. I have never received back any correspondence and the errors are still reporting.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2022-08-19
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 Experian and XXXX 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 : DEPT OF ED/XXXX  XXXX Open Date XX/XX/XXXX, XXXX Balance- {$3900.00}, DEPT OF ED/XXXX XXXX Open Date XX/XX/2014 Balance : {$1900.00}
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. 

Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. 

The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. 

How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Financial, Inc (MI)

On XX/XX/XXXX I received a respond from " XXXX XXXX '' who informed me that XXXX started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from XXXX and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on XXXX XXXX letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that XXXX  started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXXXXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to XXXX on XX/XX/XXXX, as XXXX XXXX loan XXXX. 

I demand to verify which " loan '' was " serviced '' by XXXX  - XXXX or XXXX ; who appointed XXXX as a Servicer, with the name of the company and names and contact information for the individual employees who hired XXXX as their Servicer and issued directions to XXXX 's individual employees. 

I demand to verify when exactly XXXX started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by XXXX. 

Name of the Company who GRANTED and who released servicing rights were released from XXXX and transferred to XXXX and the name of an individual employee who released XXXX 's " servicing rights ''
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

On XX/XX/XXXX I received a respond from " Caliber Team '' who informed me that Caliber started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from Caliber and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on Caliber 's letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that Caliber started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to Caliber on XX/XX/XXXX, as Caliber 's loan XXXX. 

I demand to verify which " loan '' was " serviced '' by Caliber - XXXX or XXXX ; who appointed Caliber as a Servicer, with the name of the company and names and contact information for the individual employees who hired Caliber as their Servicer and issued directions to Caliber 's individual employees. 

I demand to verify when exactly Caliber started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by Caliber. 

Name of the Company who GRANTED and who released servicing rights were released from Caliber and transferred to XXXX and the name of an individual employee who released Caliber 's " servicing rights ''
Consumer complaint received 2023-09-29
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. (TX)

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.

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 2022-08-19
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. (KY)

This is my several 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. 
XX/XX/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
Consumer complaint received 2022-09-28
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 another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-15
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: ERC (TX)

I am writing consumers because I contracted XXXX XXXX and I was XXXX XXXX before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX XXXXXXXX ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with XXXX XXXX needs to be removed off my credit history, XXXX shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and XXXX  credit card was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has been reporting derogatory information for 7 years and have not removed the information from my credit report. XXXX first reported this account derogatory XX/XX/XXXX and the company reported the account derogatory again in XX/XX/XXXX when the account was in fact current. Experian is reporting derogatory information for an account XXXX XXXX XXXX and the account status was updated to derogatory when the account is Current. I have in good faith tried to correct this information with Experian and they continue to ignore and dismiss my dispute. I will continue to dispute this information until we end up in court. I will take all of my previous disputes where experian has done nothing as proof in court that I have tried to rectify this situation.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

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 ), and XXXX XXXX XXXX XXXX # XXXX ), The above mentioned attorneys Filed a misleading petition/obtained default judgment that caused my XXXX XXXX debt free " Homestead XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX '' ( appraised at {$68000.00} ) to be foreclosed on and relocated from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX to an unknown location in XXXX XXXXXXXX XXXX 

Neither XXXX XXXX XXXX, clients, successors, entities, or persons held any lien security interest against my property. To shorten a long story, XXXX XXXX XXXX failed to pursue due diligence and improperly foreclosed on my Homestead under the impression that my Homestead belonged to another person. 
" On or about XXXX XXXX, Attorney XXXX XXXX XXXX confirmed to both XXXX Police XXXX XXXX XXXX, and myself that I would be financially compensated for the financial injury they committed towards my family homestead. 

Its been over XXXX months and I have yet to receive any compensation whatsoever, and now they are avoiding responding to me. 

Through open records request, I also discovered that XXXX XXXX XXXX and its clients failed to obtain any building permits and TxDMV single trip moving permits as is required by law to relocate my Homestead Property. The permit violations alone carry a {$2000.00} dollar a day fine from February till today, and the fines continue until XXXX XXXX XXXX and its successors cure the permit violations. To date and counting the XXXX XXXX XXXX will owe XXXXXXXX XXXX XXXX {$320000.00} in fines, notwithstanding the injuries owed to myself and my family. 

My XXXX just XXXX of XXXX and the funeral bill nearly bankrupted me. I've also had to move my XXXX and XXXX XXXX  out of a very hostile environment. 
I am taking on extra debt and times are too hard for XXXX XXXX XXXX to do ignore its responsibilities to everyday working families. 

XXXX XXXX Officials have informed me that XXXX XXXX XXXX CAN NOT DELIVER MY HOMESTEAD BACK TO XXXX AS DOING SO WOULD VIOLATE XXXX XXXX LAWS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... SO WHAT OTHER CHOICE DO THEY HAVE BUT TO COMPENSATE ME AS THEY CONFIRMED THEY WOULD TO XXXXXXXX XXXX  XXXX XXXX XXXX AND MYSELF NEARLY XXXX MONTHS AGO? 

I am in the process of trying to find a new homestead  for my family, and having to take on debt that I wouldn't otherwise have had to take had XXXX XXXX XXXX not illegally foreclosed my home in the first place. 
In XXXX name please help.