davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (CA)

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 COMMISSION or https : //www.ftc.gov to file a report .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 blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-08
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: Convergent Resources, Inc. (GA)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (SC)

1. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right 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.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (MD)

I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. 

Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-05-26
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. (AL)

XXXX and Equifax have violated my consumer rights and Federal Law according to Fair Credit Reporting Act as follows 15 USC 1681i ( 5 ) ( A ), thus according to provisions 15 USC section 1681 ( a ) the items must be deleted immediately. I have sent two letter to both about this and no response. The letter went out XX/XX/XXXX, XXXX and XX/XX/2022.
Consumer complaint received 2022-09-22
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. (NE)

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that Equifax and XXXX have me in collection due to an account from XXXX  with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from XXXX XXXX after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.
Consumer complaint received 2022-09-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Our VA mortgage on our primary residence was owned by XXXXXXXX XXXX. After Covid caused one of us to drop to part-time employment, we used the CARES Act to suspend payments on the mortgage for 12 months. At the end of the 12 months, we completed a partial claim through XXXX XXXX for the full amount due ( {$28000.00} ). This brought the account current. The partial claim was executed XX/XX/22 and recorded XX/XX/22 ; the document was not in our possession during the delay in recording. 

Our mortgage was sold to Carrington some time in XXXX. Carrington claims it never received information about the partial claim from XXXX, and immediately began sending us letters that we were {$28000.00} behind on payments and about to face foreclosure. We called more than a dozen times to explain that the balance had been covered by a partial claim. We also had XXXX re-send the partial claim documents, and we eventually got the partial claim documents and sent them to Carrington ourselves. Most of the people we've spoken to at Carrington are unable to even understand what the issue is. Occasionally we will get someone on the phone who seems to grasp the problem and asks us to send some documents, which we immediately do, but we can never get the same person back on the phone again. Carrington representatives will not give us last names, email addresses, direct dial numbers, or any other way of reliably reaching them, forcing us to start from square one on the general customer service number every time we call. 

We made our first mortgage payment to Carrington on XX/XX/22, and have paid on the first of the month every month since. Carrington 's website and app don't work ( we just get a message that " there is a problem with your account '' ), so we have to call in to request our balance and authorize an electronic payment. We have always paid the full amount that we are told is due. 

Our credit scores ( mine and my husband 's ) recently dropped more than XXXX points, from the 800s to the high 500s, based on reports from Carrington that we are {$29000.00} behind and have multiple missed payments that are more than 120 days late. We have called, emailed, and faxed supporting documentation to show that we have paid on time every month since Carrington bought our mortgage, and that there was not an outstanding balance at the time the mortgage was sold due to the partial claim. We continue to receive no response, and additional late payments continue to be reported to the credit bureaus. Neither of us has ever had a single derogatory mark on our credit.

Documentation of the partial claim, and a printout of our payment history from Carrington, are attached.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

United Wholesale Mortgage is using a Financial Scheme/Mechanism to fraudulently OVERCHARGE my Escrow Account. 

United Wholesale Mortgage is using MISSAPLICATION REVERSAL in order to ARTIFICIALLY create the Escrow Advance of : {$3000.00}. 

My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX ( due to Covid 19 ). 
On XX/XX/XXXX went in effect the Loan Modification. 

United Wholesale Mortgage negligently or intentionally gamed/manipulated the payment system and falsely applied payments for the period my loan was in forbearance. ( without me making payments for that period since was in forbearance ). - please see evidence 1 & 2. 

More exactly, they applied {$1700.00} to my Escrow Account ( due date XX/XX/XXXX when my loan was in forbearance ) and {$1300.00} out of {$2700.00}. XXXX ( due date XX/XX/XXXX when my loan was in forbearance ) also to Escrow Account. - please see evidence 1 & 2 Here comes the " catch '' : On XX/XX/XXXX they have " performed '' a MISSAPLICATION REVERSAL ( " reversing the funds " ) and ARTIFICIALLY CREATED an ESCROW ADVANCE : {$1700.00} + XXXX = {$3000.00}. - please see evidence 3, 4 & 5. 

A fraudulently created ESCROW ADVANCE OF {$3000.00} was charged to my account. - please see evidence 4 United Wholesale Mortgage was invited many times to explain in writing the reason for ESCROW ADVANCE, to justify it, to provide proof of payment ( receipts, bank statements, wire transfers etc. ). - please see evidence 7 Moreover, they were invited to REFUND the money if they can not justify it and or/support it by requested evidences. - please see evidence 7 They NEVER offer a refund or justification or any supporting documents that will justify the Escrow Advance. - please see evidence 8 United Wholesale Mortgage declined/avoided to offer any explanation in writing as well. 

Is this fraud? Is my Escrow Account under intense assault by a mortgage company that is truly determined to defraud me? 

Why United Wholesale Mortgage is so speechless about it and no real investigation was ever made regarding this overcharges? 

The only thing I asked for was to stop abusing me, stop injuring me and refund what was abusively and unjustified was taken away from my account by someone in charged with my loan administration.
Consumer complaint received 2023-03-28
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. (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. 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 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 2022-12-29
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. (FL)

( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services company aka " CSS '' Company erroneously attempting to collect for a creditor XXXX XXXX. They file number they sent me is XXXX XXXX XXXX I never received a service or phone from XXXX  XXXX which CCS states occurred on XX/XX/2022 CSS posted the amount of {$590.00} to the credit reporting agencies to my records CSS has sent me several demands for payment. I called CSS and told them that this claim is in error. CSS can not produce any documentation to support this claim
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDEN 1 CREDIT UNION, THE (CA)

18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.
Consumer complaint received 2022-08-08
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: National Credit Systems,Inc. (TX)

I XXXX XXXX XXXX contacted XXXX, XXXX, XXXX, AND NATIONAL CREDIT SYSTEMS on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO NATIONAL CREDIT SYSTEMS XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Midland Credit Management ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Midland Credit Management ), continues its collection efforts, I will file for litigation for actual damages caused and ( Midland Credit Management, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Transunion needs to correct the information in regards to XXXXXXXX XXXX XXXX. This account is settled and has a XXXX  balance. Please see the attachment. Please make note of this