davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Debt Recovery Solutions XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, NY XXXX Acct # XXXX  XXXX To whom it may concern : On XX/XX/XXXX, I wrote to you requesting Validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. The only reply from Debt Recovery Solutions was via CFPB portal on XX/XX/XXXX. In my previous request directly to you, I listed my reason for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to XXXX Federal Trade commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices act Annual report and stated the following.

The Bureau notes that one or more debt collectors continued collection activities despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights.

Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation request to the relevant clients who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until it ( meaning the collection agency ) Obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors continued collection activities on accounts in violation of section 809 ( b ) of the FDCP.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, cease your collection efforts and reporting of this account on my credit reports Immediately. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 items 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 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 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 2024-09-21
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. (SC)

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 XXXX XXXX XXXX. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. Account Name : ONLINE INFORMATION SERVI Account Number XXXX ORIGINAL CREDITOR XXXX  XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX years.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (RI)

unauthorized inquiry XXXX XXXX XXXX  dated XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE, XXXX unauthorized inquiry, EQUIFAXMORTGAGE SERVICE, XXXX XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE XXXX unauthorized inquiry, EQUIFAX MORTGAGE SERVICE XXXX I have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Consumer complaint received 2022-11-30
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. (OH)

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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware 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 2024-09-21
Product: Credit reporting 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: EQUIFAX, INC. (MD)

I am writing to formally dispute Equifax 's failure to display my credit report, which has caused significant personal and financial harm. On [ Date ], I was denied a mortgage by XXXX due to XXXX refusal to release my credit report. This refusal is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to Equifax, providing the necessary documents, including my ID, rental lease, and a copy of my Social Security card, yet my issue remains unresolved. 

This situation has greatly impacted my ability to secure a home and has caused undue stress and financial strain. I urge Equifax to immediately rectify this issue by releasing my credit report and ensure compliance with FCRA regulations. If this matter is not resolved promptly, I will be forced to consider further legal action.
Consumer complaint received 2023-07-17
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. Identity Theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to formally dispute the inclusion of certain accounts in my consumer report, which I believe to be in violation of my rights under the provisions of 15 USC 1681b and 15 USC 1681c-2 . The accounts in question should not be furnished on my consumer report for the following reasons : Violation of 15 USC 1681b - Permissible Purpose of Consumer Report : Under 15 USC 1681b ( a ) ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I wish to emphasize that I have never provided any written consent to any consumer reporting agency to report the information associated with the accounts in question in my consumer report. This constitutes a clear violation of my rights as a consumer.

Alleged Identity Theft and 15 USC 1681c-2 : I have reason to believe that the accounts listed on my consumer report may be a result of alleged identity theft. Pursuant to 15 USC 1681c-2 , a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case. 

Considering the above, I kindly request the immediate deletion of the following accounts from my consumer report within the statutory time frame as required by law. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : LAW OFFICES XXXX Account number : XXXX ( UNAUTHORIZED INQUIRY ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( UNAUTHORIZED ADDRESS ) 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 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

In XXXX, I reached out to Roundpoint mortgage because I was experiencing financial difficulties, due to Covid related issues. My lender ( Roundpoint ) offered to put my mortgage loan on a forbearance plan, letting me know that these missed payments would be added to the end of my loan and I would just resume making payments as to before the forbearance. I took the forbearance which was to end in XXXX. When I called the mortgage company in XXXX, they indicated that my plan was over in XXXX and I should reach out to them at the end of XXXX. I reached out at the end of XXXX and was told that my mortgage loan did not in fact allow my to put the payments at the end of the term and they offered other options I was eligible for. One of these was a modification plan- which I accepted. They sent paperwork and I signed it and returned it. I was to make 3 payments of XXXX for XXXX, XXXX and XXXX each within the month they were due. I made the first payment for XXXX and shortly thereafter I received a call from Roundpoint stating that I did not qualify for the plan they had offered, and had already started. I would now need to complete a mortgage assistance application. 
As I was ready to complete this application, I received an email on XX/XX/XXXX from XXXX stating that I had been been approved for a mortgage assistance application I had submitted earlier in the year. 
I reached out to XXXXoundpoint Mortgage and informed them that I had been awarded these monies and this would bring my mortgage up to date. The amount of this was {$6400.00}. 
I waited a few weeks to see that this was applied to my loan so that I could continue to make my payment. I did not see these applied to my loan and then reached out to Roundpoint and XXXX. XXXX confirmed that these funds were sent on XX/XX/XXXX, but Roundpoint had not applied these to my account. 

I have since been communicating via email and phone with XXXX and Roundpoint to get these funds applied to my account. My mortgage has further gone into arrears as the lender has not applied these and will not accept my payment as well. I have sent the XXXX, XXXX and XXXX payments. The XXXX, XXXX payments have already been returned to my bank. 
I reached out to Rounpoint to ask why my payments have been returned and they stated that they will only take the full amount due on the mortgage in order to reinstate it. I can not make a payment of {$8000.00}. The funds that were granted by XXXX and the 2 payments that were returned would satisfy this balance due - but they will not take them in this form. It has to be 1 payment of {$8000.00}. 
I have been in contact with XXXX XXXX and XXXX XXXX of Roundpoint mortgage - XXXX. The last communication I had with both XXXX ad Roundpoint both parties say that the other party is not responsive and/or is not giving them the information they request. 

Your assistance in ensuring funds are applied and my payments are accepted would be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2023-03-25
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)

Making sure payments are made. This co. Does not offer autopay. Depending on which customer service person they state that you can make either three payments scheduled in advance or six. I went online in XXXX and scheduled what I thought was six payments. It turned out the computer only allowed three and I did not realize it. The company stated they called me 20 times, and no time. Did I get a phone call or a voicemail. They then reported me 30 days past due to the credit bureaus and my Fico score dropped over 100 points. I contacted them and they then told me that I had not set up six months and only set up XXXX XXXX and XXXX and my XXXX payment was not made. I explain to them what customer service said told me knowing that they record all conversations they told me there was nothing they could do about it and I filed a dispute directly with their company. They then came back and said no they werent going to change it, so I asked them to send me transcripts of my taped conversations in XXXX and they told me I would have to get a court order. That means I have to hire a lawyer and spend a lot of money over something I should have access to I have filed a dispute with Experian credit and have not received any news yet. I am very frustrated with XXXX. They do not have auto pay and therefore I could only go by what they told me and I have over seven other credit cards and maintain a small debt to allowable credit percentage and my credit scores have been over 775 their credit line of {$1600.00} was the smallest one I have as my cards range from 5000 to 25,000 I have a 10 year history of no past dues and now my credit score has suffered. I have a business and banking relationships that I have to make each year a renewal of my credit lines, unfortunately for me they come up in one week. I had the companies credit card for 13 years and never missed a payment. I hope that you can find a way as I believe these people are predatory by wanting to get late fees from people. I have searched since my problem began reviews on them in several websites and they all say the same thing that customer service is terrible and they dont know anything and theyre a hard to deal with. I have paid them in full and in and in the process on canceling my account. It infuriates me that people work hard to keep their credit good. The company hopes for a late fee and this company doesnt allow auto pay or what they say they will allow. I did not get 20 phone calls as they stated, I did not get a letter as they stated and I did not get any voicemails.