davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (TN)

1.I have never had an account with this company ELEVATE RECO XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ELEVATE RECOVERIES LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-05-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (TX)

Complaint Overview : Not only did you promise an interest rate of 3.25 % instead of 3.75 %. You were late sending the necessary documents & so I was left with late payments. 

Detail : I disappointed how they managed my proposed FHA re-finance. they stated numerous times, I wouldn't pay in XXXX and XXXX, because of refinancing, just to find out I got a bill on XX/XX/XXXX for both XXXX and XXXX. Not only that but after speaking with your end numerous times to, XXXX XXXX, he kept advising me that my interest rate would be lowered to 3.25 % ( compared to 3.75 % ). Paperwork that needed to be signed on time never came in time which resulted in a late payment fee. Of course when I find out about these fees and an XXXX bill, there was nobody to speak with because they the documents which notary public brought me was on Friday evening and all documents were inaccurate ( wrong Rate and closing cost ) and NOBODY! During this time, I tried to reached out to them in numerous methods. Phone calls, emails. Nothing worked! so signing fell in Monday XXXX.and it was already to late. 

So here during a Pandemic, I was left with broken promises. A promise that I was going to have an interest of 3.25 % vs. 3.75 %, closing cost of less than than {$2000.00} a promise that I wouldn't have to pay XXXX mortgage but they broke every promised they had made. Ridiculous! The biggest hit of all, I can't refinance again, because FHA streamline require at least 6 months of good payments. Rates are lower than ever, but I am stuck, since Village Capital & Investments, messed up!
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-08
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: Exeter Finance, LLC. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

all three reports have been reporting different dates since the have been reporting on my reports, I asked for proof of accuracy and they can't. Literally when i call they confirm that they can't. I don't understand how I was never billed for these accounts yet they are reporting reporting not only late/closed but also a collection ( can it even be both? ) I went to refinance my house and they told me I had derogatory remarks and was not rejected. At this point I'm not use what to do get justice, this is information is inaccurate and  completely false. You can not report inaccurate information this a violation.if the law can't help me who or what will? Please investigate that this account is reporting 100 accurate i see so many errors which is a FCRA violation XXXX and equifax are reporting the same dates and  XXXX another. I told them about it and they still are violating me by listing misleading information. I can't believe this is my life right now I can lose the roof over my head due to these false accounts. As soon as possible I need these accounts updated by remove all late payments and change the payment status to current because of Cares Act or deleted at once.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (LA)

The Company XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Consumer complaint received 2022-07-02
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. (CA)

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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (IL)

I picked up my payoff check from XXXX on XX/XX/XXXX and mailed it to Ally Bank using the UPS Store. UPS store inadvertently sent it to Ally 's corporate center instead of the payment processing center, it was delivered on XX/XX/XXXX, XXXX Tracking Number : XXXX. According to Ally customer service, the check was re-routed to their payment processin center on XX/XX/XXXX. I was intially told 5-7 business days, then 7-10 business days for them to receive the check. I have been calling customer service every other day, sometimes daily, to get this resolved. I have now accrued a missed payment late fee, as well as daily interest as this has gone beyond the XXXXday payoff quote. I have been told they will waive the late fees, and make a decision on posting date once they receive the check. Most recently, Ally stated they are having system-wide issues at their payment processing center and can not even tell if they have received the check that was forwarded to them from their corporate office. I have been given a reference number from Ally Bank customer service, reference # XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

On XX/XX/XXXX Rushmore Loan Management Services sent me a notice that my home equity loan amount was being reduced to {$22000.00} citing an increase in my home 's value that they say caused the loan to value ratio to go below 20 %. I asked Rushmore for the math that determined the loan to value percentage that caused this change and for a copy of the appraisal/broker opinion via phone on XX/XX/XXXX, in writing that same day and via their on-line message center. I also messaged them on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

When I called no one I spoke with could explain the math. In response to each internet message I sent them I received a version of this standard response : Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. 

Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Friday XXXXXXXX XXXX. to XXXXXXXX XXXX Central Standard Time.
Consumer complaint received 2020-07-24
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-03
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. (VA)

My complaints involve several issues which I am describing here. 

1. The first time I disputed a report on my account, I was asked all verification questions by the customer service rep named XXXX or XXXX. After I have been fully verified, she took the information about my dispute with XXXX XXXX reporting me as current, but had a note that included that I am in forbearance agreement. Prior to the Cares Act, I had never been in forbearance agreement. 
I had brought my account current on XX/XX/2020 but the report still shows I am in forbearance. Ten days after the information was taken by XXXX, I received a letter yesterday telling me that I have to submit all sorts of information to verify. I does not provide an email so I can do it expeditiously, or at its secured message website. Although I understand about protecting my credit, etc. I was already fully verified by XXXX as noted before. Now, Equifax can not be contacted by phone, it goes around in circles and directs callers to its website. Its website does the same thing. After taking some information, it does not let you continue. In short, Equifax seems to be not taking any dispute because phone calls do now work, its website also does not allow you to complete filing a complaint. 
2. The second issue involves Equifax selling my credit information to third party inquirers that I have not contacted. Specifically, I see a hard inquiry from XXXX XXXX but it shows that it was Equifax Mortgage services that provided the information to XXXX XXXX. 3. Equifax still shows the filing by XXXX XXXX XXXX of debt that shows it is already paid. I do not understand why Equifax still shows it under debt collection when it has been paid more than a month before the last Equifax report of XX/XX/2020. 
4. Just a week ago, the website does not allow to complete filing a dispute. It also does not provide the credit report even though it states that it is providing free credit reports for a certain number and times and period.
Consumer complaint received 2020-06-03
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. (NJ)

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Dear Equifax, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake and as a consumer, I trusted you to fix the information. 

Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-03
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. (NJ)

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & ^^^^^^^^^^^^^^^************** **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX***
Consumer complaint received 2020-07-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have had a VA mortgage with Wells Fargo since XXXX. While speaking to someone at Wells Fargo regarding Covid relief, he was going through his disclosures until he mentioned the type of mortgage that I have ... He stated that I have an FHA mortgage. I told him no, Im a XXXX vet and I have a VA loan. He told me that Wells Fargo changed my loan type. He also stated that Wells Fargo, just this past XXXX, had changed 10s of THOUSANDS of loans from VA to FHA. 
This is not legal. I never signed for nor applied for an FHA loan. I have a copy of my mortgage papers ... the papers verify that I applied for and was approved for a VA LOAN. No bank can change a loan without forging documents and/or forcing a consumer to allpy for something that they do not want. 
I am in possession of the origional VA loan papers.