davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (IL)

I received my credit report on XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NC)

my mortgage were transfer to a new company called Flagstar Bank on XX/XX/XXXX and I can not get any document I want from them. they always lying said i will get the document but never get any documentation. i want my mortgage to be transfer out of this company.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage is our former mortgage lender. In XXXX of XXXX we put our home on the market in XXXX Oklahoma. I called Wells Fargo Mortgage prior to putting the home on the market to get a payoff amount. The payoff amount that I was quoted was {$150000.00} for which the XXXX XXXX wired that amount to Wells Fargo on XXXX. I have been checking my Wells Fargo account since XXXX to see when they apply the payment and to date, the payment has not been applied to the account. My mortgage account balance that shows on my account as of XXXX is {$140000.00} which is {$6200.00} less that what we paid them to pay off our mortgage so in my estimation, we overpaid Wells Fargo {$6200.00}. I called Wells Fargo on Monday XXXX and after being on hold for 48 minutes and being disconnected 3 times, I finally spoke to a XXXX XXXX XXXX and she stated that we still owe approximately {$2500.00} more in order to close the account and the account will stay open until the money is received. She said that the payoff quoted by Wells Fargo was incorrect and didn't include insurance fees. She said by not paying the balance due will effect our credit scores. I feel as if there is a scam going on at Wells Fargo and there is no one other than XXXX XXXX to speak to. PLEASE HELP. There is no where that states that we owe Wells Fargo more money. They have never contacted us stating that there is still a bfalance on the account. The attached Payoff letter states that the payoff amount if {$150000.00} is good through XX/XX/XXXX and the wire was transmitted on XX/XX/XXXX, XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I would like to notify Equifax that they have fail to delete the inaccuracy on my consumer report so Equifax is now in default. I am giving Equifax the opportunity to cure this default in 30 days. I the consumer would like to state that Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I have included Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V. These show proof of the violations that Equifax has violated. Pursuant to 15 USC 1681b ( a ) ( 2 ) Equifax is in violation. This federal law states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax is also in violation of 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I have proof in the attachment label as Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V.
Consumer complaint received 2024-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUIST FINANCIAL CORPORATION (GA)

I am currently in the process of doing a short sale with Truist my mortgage company. The 1st Loss Mitigator, XXXX XXXX was being uncooperative, and she made an inappropriate comment to me. She also was not responding timely during the process. She also denied the short sale due to findings of an unqualified vendor they used for the appraisal process. I filed a complaint with your agency and she was replaced with another colleague and I received the exact response and I feel its because of the complaint I filed. I would really like to get this short sale process finalized as it's been going on for at least 6 months.
Consumer complaint received 2023-06-10
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 am a new customer with XXXX XXXX. I was a customer of XXXX XXXX XXXX XXXX for many years but XXXXXXXX XXXX has bought XXXX and my accounts are now managed by XXXX XXXX. On the afternoon of XX/XX/XXXX, XXXX I telephoned the XXXX XXXX customer service department for the first time. I was unsure about a transaction in the online banking portal I had logged into for the first time. After waiting for a time in the XXXXXXXX XXXX automated system, I connected with a " banker '' who identified with the name " XXXX ''. I explained I was a new customer from XXXX and had a questionable charge in my checking account. XXXX asked me for my social security number, I gave it and then the phone call disconnected. 

On XXXX  I received an alert from XXXX XXXX works that two inquiries were made on my credit report. One on XXXX from XXXX of XXXXXXXX Ohio, and another on XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California. 

I contacted the XXXX XXXX customer service and discovered an application for credit was made with my name and social security number, but a different address. This was not me, I was told the transaction was flagged and forwarded to the fraud department and the inquiry of my credit report would be removed. I then contacted XXXX and learned that a credit card had been approved and opened with my name, Social Security Number, Address, and Birthdate. I was told the account would be frozen, flagged and sent to the fraud department, and I would need to complete paperwork, and provide documentation for the inquiry to be removed from my credit report. 

I froze all three of my credit reports. I am usually cautious with my personal data and realize my error in disclosing information to XXXXXXXX XXXX, which I strongly believe is what lead to this case of identity theft. I plan to dispute the inquiries into my credit report and discontinue banking with XXXX XXXX as soon as possible.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

I am continually having problems with Equifax and my online accounts to freeze and unfreeze my reports. They have placed a freeze unauthorized that Im not able to lift in my portal. I have called several times to remove they request identification through docusign then removed the lock then replace it. XXXX are also sending letters sayings it dont seems to be me when I have all my identification documents attached. after I request disputed and are not doing my disputes investigations.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (DC)

In XXXX of XXXX, I signed up with Kikoff for a background check service to rent a house ( {$15.00} I believe ). I did not realize at the time that it also signed me up for a credit monitoring service at the same time that I did not want. 

After the initial cost, I started getting emails to pay for my subscription credit monitoring service. I tried canceling numerous ways, but got no response. I did not make any additional payments and never used the service. 

I may have gotten a couple additional requests to pay, but then all communication stopped and I believed the service ended. 

Instead, they were billing me in secret. While the total amount wasn't much ( ~ {$55.00} ) eventually they reported me to the credit agencies for being in default without notifying me, which wrecked my credit score. Their service is effectively blackmail.

Once I found out about this ( from a separate background check ) in XXXX of XXXX, I disputed the charges reached out to the company. Their only response was that nothing could be done. Even paying the past due amount could not get the black mark on my credit history removed.
Consumer complaint received 2023-06-10
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-10
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. (GA)

I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from trans union and experian with XXXX XXXX bank under the fair credit act 15USC 1681A
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I recently sent letters on XX/XX/2023 to Experian, XXXX, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.
Consumer complaint received 2021-06-21
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SD)

On or around XX/XX/year>, I was rear ended by an white SUV in State of New York. A police report was filed stating the drive rear-ended the vehicle I was driving. XXXX XXXX notified Falsely reported to Lexis Nexis, XXXX report, that fault was undetermined, placing false, negative information on my report resulting in higher premiums based on this false report, even when the police report, pictures and other evidence was submitted as proof.

I am requesting, Removal of this false negative information from all credit reporting agencies, including Lexis Nexis, and compensation for loss due to higher premiums due to this false report.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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. (MA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Debt Validation Request and Credit Report Dispute under XXXX XXXX Compliance and Federal Law Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the account referenced above, which is being reported on my credit file by your agency. This account is in violation of XXXX XXXX compliance standards and federal credit reporting laws under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

Despite my previous disputes, you have continued reporting this collection account to credit bureaus without sufficient validation of the debt, thereby violating the accuracy and compliance requirements of XXXX XXXX standards. Under these laws, I am exercising my right to request the following : 1. Validation of the debt in full compliance with the FDCPA : A copy of the original agreement with my wet-ink signature proving I agreed to this debt. 
A detailed accounting of the original balance and how it reached the amount of {$520.00}. 
Documentation proving that your agency has the legal right to collect this debt. 
2. XXXX XXXX Compliance Documentation : Confirm that this account is being reported correctly and in full compliance with XXXX XXXX reporting guidelines, including accurate status codes and permissible dates. 
3. Immediate Action to Cease Reporting Until Verified : As this account remains disputed and unverified, you must cease reporting to credit bureaus immediately under 15 U.S.C. 1681s-2 ( a ).

Failure to comply with these requests within 30 days will result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I may also seek damages for harm caused by false reporting under 15 U.S.C. 1681n and 1681o. 

If you are unable to provide the requested documentation, this account must be deleted from all credit reports. Continued failure to comply will leave me no choice but to pursue legal remedies, including a lawsuit for violations of the FCRA and FDCPA.
Consumer complaint received 2023-06-10
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. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1400.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TN)

Amsher Collection Services attempted to collect a debt that was already paid to XXXX They were also reporting it on my XXXX. I showed proof the debt was paid, yet Amsher will not remove it from my credit file.