davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (VA)

Received a debit card from M and T bank in my name and address. I did not open this account, nor have any knowledge of the account. There is no bank in my area. The account and associated debit card are fraudulent.
Consumer complaint received 2021-09-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Remove All Inaccurate Information from my XXXX XXXX. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

We were in a modification loss mitigation due to COVID-19. Our financial situation due to covid ended the end of XX/XX/XXXX. I notified Shellpoint Mortgage Servicing, and started making payments. I was told to skip XX/XX/XXXX that the new loan would start XX/XX/XXXX. I have called numerous times for updates, I finally received and update on XX/XX/XXXX. I was unable to receive status since XX/XX/XXXX from any customer service rep or reach my point of contact XXXX XXXX until XX/XX/XXXX. The dates called XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. 
On XX/XX/XXXX after 3 months I was told the interest rate was incorrect from the XX/XX/XXXX paper work and again to skip XX/XX/XXXX payment and the new loan would start XX/XX/XXXX, XXXX XXXX also stated that I shouldn't had made XXXX or XXXX payment due to I am in loss mitigation, but with the new payment and interest rate the loan will be current. The new paper work was mailed to me on XX/XX/XXXX and mailed back on XX/XX/XXXX. On the call XX/XX/XXXX I was told the paper work was received and I wanted to verify if this was a fixed or adjustable loan.. And was reconfirmed that on page 2 of the documents I sent in shows fixed at 2.125 % to give them a week to process. XXXX XXXX called and left a message with no info to call back on XX/XX/XXXX the representative says there are no notes on the file of why he called. XXXX XXXX again called on XXXX and says the paper work that was received on XX/XX/XXXX in there office was for dates of the old loan XX/XX/XXXX. So as you can see why I am filing a complaint. I haven't been unable to get updates on my loan, I mail in paperwork its confirmed received and then told I mailed in old paper work with the wrong dates, amounts of loan and interest rates. I have already made my new payment arrangement for XX/XX/XXXX but the mortgage company is changing the story of what was sent in, I'm wondering what's next?? As I read reviews online this is an ongoing problem of not wanting to complete or help customers with refinancing loans. I do not want to go into foreclosure or having any issues with my loan due to the mortgage co being at fault.
Consumer complaint received 2019-10-23
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

Last month regions charged me for an overdraft fee when I know I had the correct amount of money in my account. They couldnt explain the fee and said that I would get the money back, but I never did. They still took the {$36.00} from my account.
Consumer complaint received 2021-09-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc. (KY)

I have received numerous phone calls from XXXX XXXX XXXX. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (AZ)

The XXXX XXXX  account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.
Consumer complaint received 2020-10-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

We applied on XX/XX/2020 and were told 45 days, but not advised that it could take longer. 

XX/XX/XXXX, called to inquire on the status and was advised that they were waiting for confirmation of the mortgage payoffs for the Primary & second Mortgage and that they may require a signed request from us. We immediately signed and sent back these forms that night. 

I didn't see any updates to the XXXX process so uploaded the payoff letters I obtained from XXXX XXXX on XX/XX/2020, & XXXX. XXXX on XX/XX/2020. 

Contacted again on XX/XX/XXXX for another update and was told there was a holdup due to the 2nd mortgage payoff was missing the property address. I escalated this and have been dealing with XXXX XXXX. 
I obtained an updated letter from XXXX. XXXX with an adendum to include the property address on the 2nd. Emailed XXXX so she could advise the appropriate teams who confirmed this was cleared to move the loan forward. 

Followed up on XX/XX/XXXX and was advised they were waiting on tax confirmation. 

Followed up on XX/XX/XXXX and was advised the loan was undergoing a final review, from XXXX XXXX. 

Followed up today and was now advised they needed an updated payoff letter from XXXX XXXX  since the balance had changed. The original payoff letter is good until the XXXX. Therefore this was unnecessary. 

Due to them not providing a true estimated time frame of completion and continually finding reasons to delay closing, is reasons enough to file this claim. This is causing us hardship.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IL)

I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.
Consumer complaint received 2020-09-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX  XXXX and I don't recall service with a XXXX XXXX  ever.
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (AZ)

On XX/XX/2020 at approximately XXXX I contacted oportun in order to bring my past due loan current. A divorce that slid into larger financial issues with the commencement of a national pandemic emergency caused me to financially lose my footing. The first representative I spoke to informed me that my loan was charged off 4 days prior. For context my last payment was about 90 days prior at the end of XXXX. The concerning part was that this representative refused to tell me information such as the balance at charge off or how much I fell behind. He violated my financial rights by refusing to provide information crucial to the process to pay this debt. He misrepresented material facts about the collections process. At one point he claimed I missed 13 payments which would have meant I havent paid in a year. I asked if oportun could work with me, but he told me that they dont do that. I asked again since I know the XXXX has asked lenders to work with customers in this extraordinary time. I escalated my concern to XXXX a supervisor for oportun at about XXXX. The supervisor was unable to provide any assistance. I think oportun should act in good faith and work with consumers like regulators within the industry have asked and not act in a predatory manner. I just want to bring my loan current, but can not pay off the note. I can make a payment anytime they can work with me.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-25
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. (CA)

I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TX)

The complaint that was submitted in XXXX of 2022 for Equifax XXXX The company had 60 days to investigate no results nor have they removed the inaccurate information
Consumer complaint received 2020-05-04
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$690.00} XXXX XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (PA)

Hello - After living approx. for 3 years in an apartment community ( XXXX XXXX ) in XXXX XXXX, Texas, me and my family had to move out in XX/XX/XXXX due to a change in work location by Employer. 

And then after 4 years, around XX/XX/XXXX, i came to know through an automated alert from XXXX XXXX that a new account for {$170.00} has been reported to my XXXX  Credit Report by Debt Collection Agency ( Rent Recovery Solutions ). 

I was never made aware of this balance. 

I paid all my dues while i was leaving the community and also told them to let me know in case there are any. 

I also put my forwarding address and called community office couple of times in XXXX to check if there are any dues but they said there is nothing. 

And then suddenly out of the blue in XXXX ( after 4 years ), i see this alert in XXXX XXXX which is affecting my credit history and mentally disturbing for me and my family and is adversely affecting my personal and family health. 

I called Rent Recovery Solutions and XXXX XXXX   couple of times few weeks back to check what is this balance about and why i was not made aware of it in XXXX but i have not yet received any details. 

I dont have any email ID for Rent Recovery Solutions but i do have for XXXX XXXX so i also documented my concerns in an email to them which i will attach to this complaint as well. 

Request CFPB to help me out to resolve this and get this removed from my Credit History.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

" Credit Coll '' is collection agency reporting to my credit in error. The original creditor is XXXX. XXXX mistakenly entered the wrong information when I returned my equipment. XXXX then billed me for not returning my equipment but I had already did. Attached is proof of receipt that I returned all equipment. I even went into a comcast location and the representative owned up to the mistake that had happened. XXXX sold the debt to " Credit Coll ''. This is a complete error and violation. Delete this from my credit immediately.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX/XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX/XXXX  XXXX ( Reinserted into EQUIFAX )
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-08-20
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. (FL)

" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.