davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
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: Bread Financial Holdings, Inc. (MI)

XXXX has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited a check into my bank account on XX/XX/18 for {$3600.00} which is from my auto insurance company for damages to my vehicle. Initially it showed it would be available the next day shortly there after, I got an email that it was on hold until XX/XX/18. I need to get my car fixed and it should not take this long to verify funds for a this type of check from an insurance company. I spoke to a customer service rep on XX/XX/XXXX which she didn't give a clear answer on why the hold. And even if so, they should at least give the option to cancel the deposit so I could take it to the bank it is drawn off of and have the check cashed by them.
Consumer complaint received 2018-11-30
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 — Problem with personal statement of dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ XXXX approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then Rushmore changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XXXX and I did. ALSO why is Rushmore reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to Rushmore and months later they are reporting payments for XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
Consumer complaint received 2018-11-30
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: WELLS FARGO & COMPANY (IL)

I tried to dispute information with XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (VA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-01-11
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. (TX)

hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute the accuracy of information on my credit report regarding two accounts that I believe contain inaccurate information. The accounts in question are XXXX XXXX XXXX  Account Number : XXXX Money XXXX XXXX Account XXXX : XXXX After reviewing my credit report, I found that these accounts are inaccurately reported ( late payments, inaccuracies across credit reports ). I am requesting an investigation into these entries, and, if they can not be verified, I request that they be deleted from my credit report.
Consumer complaint received 2018-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have asked on numerous occasions, via email, to provide verification by producing a valid original instrument of indebtedness in its original form. All emails went unanswered. They are ignoring and/or overlooking my requests ; they keep resending, via standard mail, the same document, a statement, which is not a valid document to verify an account is 100 % verifiable and 100 % accurate per FCRA and FDCPA. In each and every month of the last 6 months, the account gets removed from my credit reports, to later be reinserted, with no reinsertion letter delivered within 5 business as required by Federal Law.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX i opened a dispute with Transunion about XXXX XXXX adding a collection to my credit file in the amount of {$1800.00}, that dispute end with Transunion deleting the XXXX XXXX account from my credit file on XX/XX/XXXX. 

On XX/XX/XXXX i discovered XXXX XXXX  had been re-inserted into my credit file after being deleted. Transunion is required to notify me within 5 days of re-inserting a previously deleted item. i did not receive such notification. Please delete this item immediately.
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NJ)

The complaint I have is two fold. I am currently trying to save my home BECAUSE I was connected with a Mortgage broker who had me sign papers but never explained to me how the XXXX renovation process went. Everyone I worked with redirected to someone else. I have emails upon emails regard people telling me to go to different people up until this point I have been told that I don't qualify for a modification because I have only been in my property under a year. I will be calling and writing Washington BECAUSE what has happened to me is CRIMINAL and I WONT lose my home due to negligence. I have phone conversations, emails and texts of me asking for help or trying to understand the process all on my own. My ISSUE is I was told that there was assistane to help cover my living expenses during the XXXX process but I was NEVER told the request for these funds needs to be included in the work scope prior to closing. I am in a financial crisis now which partly my fault because I tried my best to handle this on my own. I havr maxed out ALL my credit cards. My credit is ruined and as a result of late fees and insurance increasing I can't afford to pay my mortgage. I'm in the process of applying for the HOME SAVER Grant and I really hope they can help me. But never the less this issue that I'm now in partly has to do with how I was TREATED during and after the mortgage/closing process. I signed documents and asked more then one time for help before deadline approached and was advised that everything was ok. I would like to see if you could offer any assistance with this matter before I move up the chain of command. On my part I have waited a long time with the hope of trying to resolve this on myself and I should have NEVER done that. I'm now facing losing my home and I have not even been there a year. It's sad and stressful but I know someone can help me I just have to keep looking and writing and start to hold people accountable ( this includes me ) for there actions. Please help me save my home.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I contacted the court, and their response is enclosed. It is clear they do not report you or any credit bureau for that matter ; therefore, your initial verification of the item with the court was either an error or a lie. Either way, the reporting requirements does not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-31
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-11-16
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. (MI)

Attached you will find documents mailed to me by companies stating they would be contacting EXPERIAN to remove unknown credit inquiries. To speed up the process I sent copies over to EXPERIAN. Some have been since XX/XX/2018 which gives them more than 9- days to remove the inquiry. Yesterday I called and spoke with XXXX who was very rude with me. First he claimed EXPERIAN has " never received your letters sir! '' Then he put me on hold for 20 minutes and magically he was able to read me word-for-word the letters I have attached for you here. He then told me, " WE WILL NOT BE REMOVING THE INQURIES SIR. FOR ALL WE KNOW YOU WROTE THESE LETTERS. THEY ARE NOT OFFICIAL. WE HAVE NOT RECEIVED ANY INFORMATION FROM THESE COMPANIES DIRECTLY. NOPE! WE WILL NOT REMOVE. YOU NEED TO WRITE TO THE COMPANIES YOU HAVE SENT US LETTERS FOR AND YOU NEED TO TELL THEM TO SEND YOU OFFICIAL LETTERS SIR! '' Just rude! I've done my part as a consumer. These companies sent me letters on their letter head. I WANT THEM DELETED IMMEDIATELY! FURTHERMORE, at this point, I want my {$1000.00} per inquiry and per defamation of character. THIS IS PROOF EXPERIAN IS REPORTING WHATEVER THEY FEEL LIKE REPORTING AND THINK THEY ARE ABOVE THE LAW! 

In addition, I have proven I do no have a XXXX account. I have enclosed a letter that XXXX admits they can not even prove they have proof of a contract with them. No phone number for me, nothing! The email they took from the CFPB complaint! I want XXXX deleted immediately from my report and I want a check for {$1000.00} for listing the account, selling the account TWICE and DEFAMATION OF CHARACTER -- {$4000.00} EXPERIAN also claims they have the right to report any name they want to on me. I am ONE name. There are no variations of my name. It is clear accounts have been opened in my name using just my middle and last as well as my first name, middle initial and last. I ALWAYS USE AND SIGN MY FULL NAME. I DEMAND ALL ACCOUNTS NOT HOLDING MY FULL NAME BE REMOVED! Again, under FCRA I have a right to {$1000.00} for every account falsely listed using variations of my name that are not as I legally AM or PRESENT myself. 

The representative said if a credit card lists me as MIDDLE NAME and LAST they have they right to list it. NOT TRUE. THERE IS NO PROOF OF MY LEGAL SIGNATURE under FCRA it has to be removed -- at minimum while it is investigated. Then they have to write me 5 days notice before being able to put it on. 

HOW IS THE CFPB ALLOWING THIS NONSENSE
Consumer complaint received 2024-10-31
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. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-31
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. (SC)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (SC)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, alXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.