davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Equifax has furnished my information and reported incorrect information, this has affected my livelihood and my XXXXXXXX XXXX XXXX. I demand that the accounts below be removed AND UPDATED from my report XXXX  XXXX CHARGE OFF ( INQUIRY ) DELETE UPDATE THE LATE PAYMENT TO PAID ON TIME AS THEY ARE CORRECT. 

XXXX XXXX XXXX SERVICES ( XXXX )
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Climb Credit Inc. (TN)

XXXX XXXX I took out a personal loan with Climb Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX ) to attend a cybersecurity certification program with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ). I was approved for a {$10000.00} loan and was required to pay {$500.00} of my own money directly to XXXX XXXX XXXX. I was slated to begin the course XX/XX/XXXX. Mid XXXX, I received an email from XXXX XXXXXXXX XXXX advising that the start date was pushed back to XX/XX/XXXX. After receiving that email in early XXXX, I reached out to the XXXX of XXXX with XXXX to see if any additional action was needed for me to continue with the XX/XX/XXXX start date. I was advised directly at this time that my XXXX loan was returned to Climb Credit and that I would need to speak with them regarding any further information for my loan. I asked if I would be refunded by XXXX for the {$500.00} deposit and it was returned to me immediately. I then reached out to Climb Credit and told advised that the loan return was initiated by XXXX XXXX on XX/XX/XXXX ( almost 2 months prior to my notification ) but XXXX XXXX failed to actually return the funds. Since XXXX, I have received many different responses from XXXX XXXX XXXX. Initially, I was told that funds were returned. After letting XXXX know that Climb said the funds were never returned, I was told that the funds would be returned immediately and to allow 30 days. Next, I was advised by a new XXXX XXXX XXXX that they were looking into the issue or that they would contact me back. Each time, no one follows up with me or keeps their word. I always have to reach out to them. Now, XXXX XXXX has stopped responding to my inquiries. This has been ongoing since Mid XXXX XXXX XXXX Climb Credit responds but insists that XXXX XXXX XXXX has not returned the funds. To date, I have asked for a statement of my account as well as the wire transfer number for the transfer of funds back to the loan servicer and XXXX XXXX has not provided anything. The loan payments continue to be debited from my account by XXXX XXXX on a monthly cadence and is accruing interest. I have never attended orientation or a class because I was advised that I was unable to do so citing that because the loan was returned, I would need to reapply and secure funds a second time. What are my options? What are my next steps to recovering the funds for this loan? It is impacting my credit and my ability to secure a different loan for a different institution.
Consumer complaint received 2023-01-04
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. (MI)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my TranUnion credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiries : Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please find enclosed the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-01-04
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: Convergent Resources, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-04
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. (SC)

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

XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX Account # XXXX, XXXX : Account # XXXXXXXX XXXX : 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 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 2023-01-04
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

In XX/XX/2022 Carrington Mortgage took over my mortgage.

Never sent a certified or registered letter stating what was going on.

1. There were able to take payments over the phone. But unwilling to help me set up direct payments.

2. Instead sent me to a prerecorded message saying we're not able to help you right now. Due to overwhelming calls right now. Please call back later. No number to call back with.

I think 4 times I went through this. 
My son had stopped by just after I made XXXX payment an found there site for direct payments..I filled it out. An it said direct payments are now set up. 
3. They tried to say I never set up direct payments.

4. But though this site an the XXXX

They been unwilling to answer how I know the last question in the sign up site.

That being. Your payments will never go up. Unless your insurance or taxes go up.

How would I know this if I didn't sign up. 
5. They say they sent a home inspector to visit the house. 
But no one around me including me ever seen anyone here. 
Nor have they sent documents that show it happened.. 
I'm willing to pay all that I owe. 
But not willing to pay their interest fees or late fees or inspection fees. An I will not pay unless this is meant an no report to the

credit bureaus. 6. Even though they would take payments by phone they were unwilling to help me sign up for direct payments. 7 their no concern for elderly or the XXXX  veteran. I belie
ve they should be removed from handling any more va loans.

8 if this isn't settled by XXXX of XXXX. I will be asking courts to reimburse me for pain and suffering. Lost of sleep and XXXX XXXX. From worrying about this. 
An which I believe started my health problems. 
That being. Tested for XXXX the last 5 weeks now. 
9. 
On XX/XX/XXXX I will also refer this to the Minnesota attorney General office. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX I recently, 2 months ago received info regarding my mortgage will reset in XX/XX/XXXX as it was a 7 year year ARM.! This has totally caught me off guard as i have never asked for an ARM type of mortgage! My monthly payment will go from {$1700.00} to over {$2200.00} and possibly as high as {$2700.00}! I never asked for this type of mortgage back in XX/XX/XXXX as it was a replacement for an ARM that i already had with another company. I specifically asked for fixed rate as i mentioned and stressed to them that I retiring in 2 years which i did in XXXX. Made numerous call but with no progress. Please see below latest interaction event with them 1. Contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX, she recommended do nothing and wait until XX/XX/XXXX. 
XXXX. Contacted Home Mortgage Main Office in XXXX XXXX in XX/XX/XXXX ( XXXX ) XXXX talked to a rep, then transffered to another Customer Service. Later on she checked with a third department telling me, I have to wait until the increase the payment, then call a department Home Preservation Tel # XXXX they can work on it. Well Fargo wanted me to wait and had no interest in resolving the issue in advance! 

Background relevant Information 1. Loan was taken on XX/XX/XXXX for $ XXXX to replace an ARM loan with XXXX which I was paying {$1100.00} interest only per month. ( Interest rate was 3.3 % ) XXXX. There were no equity taken and the ratio of the loan to the house value was about 60 % way below what they were looking for to secure the loan. 
3. My Current fixed mortgage payment with Wells Fargo is {$1700.00} per month ( Principal & Interest at interest rate of 3.5 % ) 4. I Was told that no house appraisal will be needed due to the very high equity on the house and I am not taking any money out of the refinance. Wells Fargo bank changed this and I was forced to pay for their appraisal. 
XXXX. I have requested XXXX line of credit with the loan and it was verbally approved, but later on found out I was misled and it is only XXXX! 
XXXX. I have requested and made it clear I wanted a Fixed Interest Loan for the following reason : A. I will be retiring with 2 years. 
XXXX I am replacing an ARM type of loan and it did not make any sense to pay all the fees and do another refinance later on. 
XXXX I also had another ARM type of loan from Wells Fargo on a different property and the payment kept on increasing every year and eventually I had to sell the property I feel i was misled and lied on by Wells Fargo whom i rusted and banked with over 37 years!!
Consumer complaint received 2023-01-03
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. (OK)

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXX XXXX SERVICES IN THE AMOUNT OF XXXX, CREDIT XXXX XXXX XXXX XXXX THE AMOUNT OF XXXX, XXXX XXXX SERVICES XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AMOUNT XXXX. XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXX Pros to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea XXXX more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction. 
15USC.1681c ( a ) ( 5 ) Section states XXXX XXXX XXXX XXXX XXXX take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than XXXX. 
15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report
Consumer complaint received 2023-06-11
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. (IL)

My payment history is excellent and I have no derogatory accounts that I can see to fix on my credit reportIt all looks to be excellent. My accounts are over 30 yrs old and while my debt is over 30 %. Its still at just 42 %. I have a stable well-paying job. Yet my credit score is so low ( and CONTINUES to be ) that I cant even get a consolidation loan to address the debt I DO have. My credit score hovers below or just slightly above XXXX is ridiculous with my excellent history. I used to have a credit score of XXXX. I have NEVER filed for bankruptcy, yet i have a credit score lower than those that have! This is negatively affecting my life and my kids lives. I may lose my job over this low scoreIf I do, Im suing.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (OH)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX