davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Closed on a refi with USAA on the XXXX. Was told the payoff and small cash out would be wired Monday the XXXX. That day comes and goes, same with the XXXX, and with the XXXX. Each time they tell me, " it will be there in the afternoon, '' each afternoon, nothing. I assume if I call them again today I will get the same answer and same result. 

I was dissatisfied with USAA from the beginning, the Loan Officer took my info and handed me off to processing and have not heard from him once since. About a week or so after talking to him I get an email saying USAA will stop the process if I do not submit documents right away, there apparently was a deadline I was unaware of and that deadline was a hard and fast XXXX. I should have just stopped then and there. 

Today Thursday XXXX they tell us the funds have been released. If it is going to take 10 days then tell me that, do n't tell me 3 business days and then drag it out. 
USAA is not the place to get a mortgage.
Consumer complaint received 2024-10-07
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-06-22
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: U.S. BANCORP (NY)

Dear Sir or Madam, I received an alert from my credit monitoring service about an hour ago. When I open the alert, it states " US BANK '' has view my credit report via XXXX. The first thing I did was call US BANK, the representative told me they do n't handle these requests. She also mentioned that I call XXXX. Twenty minutes later, I call XXXX and they give me the same garbage answer, call US BANK. Why are they both pointing fingers at each other? US BANK and XXXX are at fault for not authenticating or verifying my identity before they pull my credit. This is a huge flaw! Please remove the hard inquiry placed on X/XX/17 immediately. I did not authorize this request. <P/>Thank you for your time! <P/>XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Based on, XXXX XXXX XXXX XXXX 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 XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2017-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Access Capital Services, Inc. (CA)

Access capital services keeps calling all my family members and myself to collect on an old debt that has been paid off. I have even sent them proof and told them to stop contacting me and my family/friends, and they still call threatening to take legal action and/or arrest me. They need to be stopped of their harassing calls and sharing my information to all friends and family members.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.
Consumer complaint received 2017-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Consumer complaint received 2024-10-26
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. (VA)

in accordance with the fair credit reporting act convergent account # 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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

XX/XX/year> I just looked at my credit report and was shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. I've sent out a letter couple of weeks ago through USPS tracking number is XXXX. I haven't got any response in regards to the account listed below The following account needs to be removed immediately, Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

The following account needs to be removed immediately, Account Name : XXXX XXXX XXXX Account Number : XXXX. Reason : please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

XXXX XXXX : XXXX XXXX, Date of XXXX : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately. 

Creditor Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/year>. Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof, I would like it removed immediately.

Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
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: EQUIFAX, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TX)

XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Account and Past Due Balance To : XXXX XXXX XXXX XXXX Equifax I am writing to formally dispute a past due payment of {$530.00} associated with a XXXX XXXX credit card account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with identitytheft.org and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

Ocwen had sent incorrect information to all the credit reporting agencies XX/XX/XXXX concerning my mortgage. They finally corrected the information. Ocwen stated in a response to complaint # XXXX filed with the CFPB that the XXXX major credit reporting agencies were notified, which included XXXX. By the time Ocwen got the information corrected, XXXX had deleted the entire account. Per a response from XXXX to complaint # XXXX, Ocwen has not verified the corrected info, therefore they will not show Ocwen as a creditor. The XX/XX/XXXX credit report I received from XXXX does not reflect my mortgage information. 
I have tried to get the corrected information on my mortgage added by XXXX. They stated that this information need verification from creditor. Ocwen states they have sent correct information, I have to contact the credit reporting agency. Nothing is been done by Ocwen XXXX, I, the consumer suffer.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

This complaint centers on continuing communication problems with my Mortgage Service provider. Essentially the following has occurred 1 ) A total lack of response from my case manager after repeated calls as to the status of my application. 2 ) In my last application filed in early XXXX, and during my 2nd to the last conversation with my case manager, I was informed that my application was incomplete. ( small deficiencies. - I failed to check the box next to my signature in the XXXX Assistance Form proving that the signature below was indeed my signature ). 3 ) I then provided the remainder of the information in the application and sent this information by mail to my service provider. 

About a week later, I called my case manager and spoke with her, and she told me that the application was now complete. Several weeks passed with no response from the company so in XXXX XXXX I called my case manager to ascertain what was going on. I called several times and received no return call. Finally, feeling very frustrated, I called and asked to speak to someone about what was going on. This person looked up my file and told me that the additional information was n't received, and that to my utter dismay, I learned that my file was closed!!! 

This person said that I 'should ' have sent my application by email, not mail. The essence of my complaint is the ever changing rules regarding methods of communication. That I could send my application by email was new to me. In the past, I have always sent information to the company by US Mail. 

If I am allowed to send my applications by email, why ca n't I communicate with my case managers by email? The Servicer, wo n't allow case managers to send or receive email. 

This company has changed their processing rules so often that it is nearly impossible to communicate efficiently. We live in a digital world. It has now been five years working with this company to try to save my home. In the beginning, I was able to communicate by email with my case manager, and that rule changed about two years ago. 

The industry processing rules call for accessibility and a fast application process. 

Honestly, in the spirit of time, and consistency, I ca n't fathom why the company wo n't let case managers send and receive emails, except that the corporation does n't want to have any real records of what transpires between Mortgage holder and case manager. 

This company has done everything it can to make the application and review process an entire tangled web of ever changing attitudes completely counter to the spirit of a quick review process and resolutions to customer needs. 

This company has demonstrated time and again that it will do anything to confuse and obfuscate the mortgage modification process.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Credit Report Third Notice Dear Credit Bureau Name , I am writing to formally request, for the third time, a copy of my credit report. I have previously submitted requests by mail, providing all required documentation. I am entitled to one free annual credit report and have not yet received a response despite multiple attempts. I kindly request that my credit report be sent to the address listed above. 

For verification purposes, please find my details below : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please process this request at your earliest convenience. I look forward to receiving my credit report within the time frame allowed by law. If there are any issues or additional information needed, I can be reached at the contact information provided. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.