davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
Consumer complaint received 2018-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX I became ill and had to have several tests performed which resulted in my having XXXX on XX/XX/XXXX. I tried, unsuccessfully, to work with Freedom Mortgage to reinstate my loan. Unfortunately, I was never able to speak with the same person twice and they were not clear in their instructions for using their mitigation packet. I was told on various occasions that the packet was only good for 30 days, then 90 days, then 60 days and once I was told 2 weeks. I did receive a letter from Freedom Mortgage stating that I had met proven my hardship but they needed more information. Once my home was posted for foreclosure, my personal information was released to the public ; therefore, I have been harassed by emails and telephone calls regarding the status of my loan. Some of those calls have been threatening. After several attempts I finally hired XXXX XXXX in XX/XX/XXXX to assist in the process. Since XX/XX/XXXX it has been a constant merry go round. I have supplied every document that Freedom Mortgage has asked for but they keep requesting more. Freedom Mortgage has been supplied with my pay stubs for every month, bank statements for every month, letter of explanation when they were not able to read my bank statements correctly, tax returns for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I send in the information requested and Freedom Mortgage takes 30 days to review it. Then they will say that something has expired and needs to be resent. Once my house was posted for foreclosure I was not allowed to send in any payments. This is a process that should have only taken approximately 6 months to resolve but has turned into a nightmare that has lasted for 18 months. The law firm representing Freedom Mortgage has continued to send my certified letters stating that I have 90 days to vacate the property and that the house has been posted for foreclosure sale again. If Freedom Mortgage is working with an attorney to reinstatement my loan shouldn't they cease all legal proceedings until the matter is resolved? I have 18 months of payments, interest and attorneys ' fees that Freedom Mortgage is claiming I owe. I've been trying to work with them while they have been working against me. Freedom Mortgage has multiple complaints filed against them through CFPB. They need to work with their clients not against them!
Consumer complaint received 2023-05-10
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XX/XX/2018 - I previously put a security freeze on my account due to the XXXX breach. I am moving and needed to lift the freeze for credit purposes. The credit freeze was with Experian. I contacted every number they have listed for their services, and I consistently got a machine-operated answering system : you are NOT able to talk to a person. And, the voice-operated answering system only gives you 2 options and a continuous feed of useless information. It is unfathomable to me that the 3 credit agencies are given power to destroy Americans ' lives ; however, they are not required to have " live '' personnel answering calls. Is there absolutely no oversight to this? Thankfully, I found the PIN number used to put the freeze on my account. Had I not, I don't know that I would have ever been able to lift the freeze. And, I have the luxury of a computer - what are the people who do not have this luxury to do?? It is a disgrace that Experian can operate with impunity - they should be required to have " live '' personnel working the phones if the automated voice messaging doesn't provide the needed information given the magnitude of power the credit agencies wield. I can't imagine that Congress or the cfpb would allow Experian to function at this level given what is entrusted to them. An Americans ' credit score is tantamount to a Social Security number in order to get credit ; yet, Experian is not required to provide ANY live Consumer assistance. This is disgusting in my opinion. And, I paid money for the credit freeze as Texas requires it, but yet, I could not get any live help to lift it.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (SC)

I have been trying to get help from LoanDepot since XX/XX/XXXX. I have continuously supplemented documents that they have asked and they continue to delay my review. I don't think it should take them over 7 months to help me! I have had two foreclosure sale dates and have had to file two bankruptcies just to save my home from being sold. I can't afford another sale date. I am at lost and need help saving my home! Please I ask for your assistance. 


The last update was on XX/XX/2018 and they asked for documents that I had already submitted to the lender and changed their request on paperwork that they had previously asked. My husband had already sent a letter advising them on how much he contributes to the house, pay stubs that show our property address, an ID and our bank statements are in a joint account. Yet, they continue to doubt that he is not living here. 

Please I ask that you help me save my home!
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Have no clue what this account is, I reached out to Portfolio Recovery regarding this error when I first discovered it on my credit profile, This company failed to inform me of this debt, I called the company and informed them i had no knowledge of this debt and who was the original creditor and how do i owe this debt, The rep kept trying to pressure me into paying it and wouldn't give me the information i requested such as who is the original creditor and why do they feel i owe this debt .I hung up and sent out a letter asking for validation they sent me a bill I still had know knowledge of the account because i never had an account with the company, So i sent them another letter with the law as to what validation meant .I also sent in a request In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) ( if applicable ) a copy of the judgment. 
e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in Louisiana, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 52 days passed and Portfolio Recovery has refused to respond.I mailed letter via certified mail and upon tracking the letter it was received
Consumer complaint received 2018-07-14
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. (NV)

I submitted a investigation request form to Equifax by mail about incorrect personal information on my Credit File on about XX/XX/2018 requesting the information be removed. I included all required necessary documentation of proof of my identity. I have never received a response and it has been over thirty days.
Consumer complaint received 2018-07-14
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: Experian Information Solutions Inc. (FL)

I have filed a dispute with the 3 credit reporting agencys. XXXX, Experian, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX  '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Consumer complaint received 2018-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed a dispute with the 3 credit reporting agencys. Transunion, XXXX, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Consumer complaint received 2018-07-14
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. (FL)

I have filed a dispute with the 3 credit reporting agencys. XXXX, XXXX, and Equifax. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with Equifax, XXXX and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Eqifax has an address on my personal information that I have never lived at. The address is XXXX XXXX XXXX XXXX Kentucky. I know there are two other XXXX XXXX in that area. They are father and son. XXXX and XXXX. Im not sure which one lived at that address but I think it may be affecting my credit score since one or both of them may not have good credit