davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc. (TX)

I had applied for a mortgage with Prosperity Home Mortgage LLC in XXXX of XXXX with Loan Officer XXXX XXXX NMLSR XXXX. I and my Real Estates Agent XXXX XXXX were told at the time everything was " a go '' and we could begin to look for properties. We found a property at XXXX XXXX XXXX XXXX, Tx. XXXX and put in an offer. Mr. XXXX said at that time all was good. I talked with him several times on the phone. I was concerned because I knew that there were issues with my credit being borderline, but he continued to say that " we're good. '' According to my credit report he checked my credit on XX/XX/XXXX. After the offer was accepted and Mr. XXXX told me " we're good '' I paid {$470.00} dollars for a Home Inspection with another {$50.00} for termite inspection. I then received a message from Mr. XXXX office that they need {$550.00} for appraisal. I sent that to them that day. During this time my realtor, the seller 's realtor, and myself ask Mr. XXXX to supply the loan letter to the seller 's agent. Each time he said he would get that to her that day. We were set to close XX/XX/XXXX. Title work was complete and all was ready. Mr. XXXX asked for a delay of 7 days. I then was bombared with request for the same paperwork over and over, He began to talk about issues with my credit to my agent, but still had not pulled it a second time. He would not talk to me directly during this time. He would not tell me directly that I wasn't getting the loan but told my agent she needed to find me a home to rent. XX/XX/XXXX came and the contract was not funded. I have never received the paperwork that denies the loan or shows why that is required by law. When my agent attempted to find out what was going on he stated only " I never gave you a loan letter. ''
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Our title company got a mortgage payoff amount and wired it to Pennymac on XX/XX/2020. Pennymac held the funds for 5 days before reporting the payoff amount was wrong. I only found out when I logged into Pennymac 6 days after the closing ( a Saturday ) and noticed that the loan was not paid off. Pennymac refused to pay off the loan until we paid another {$320.00} in interest. When I contacted Pennymac for a resolution, they claim they notified us in three days, not 5. The fifth day was a Friday, which is very convenient for Pennymac to collect additional interest from us. I have an e-mail from the company we re-financed with that shows Pennymac waited 5 days to notify us. I don't think it should matter how many days, because the fact of the matter is that Pennymac was holding all but {$2000.00} of our payoff amount. They had {$170000.00} when our payoff was {$180000.00}. In essence, Pennymac charged us {$320.00} for {$2000.00} that was outstanding for 7 days, which is usury. It was also their fault that the payoff did not come for another 7 days because they did not notify us. Pennymac claims they mailed us a new payoff, but we did not receive any such thing. We agreed to settle the matter for {$170.00} and Pennymac sent us a refusal.
Consumer complaint received 2024-09-02
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)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (FL)

In XXXX, I was being contacted by an attorney claiming I was in trouble and would not explain why until I verified my personal info over the phone which I explained to send me a letter if this was true and I never received one. I was able to have this debt that appeared on my credit removed. 
XX/XX/XXXX, this debt seemed to have reappeared on my credit report. 
Im showing I owe {$300.00} to The XXXX XXXX XXXX but when I call this agency, they claim my account has been transferred out bc they can not find any information on me. 
I also see {$440.00} owed to National Credit Adjusters but I am afraid to contact this credit agency to inquiry about why they put unknown debt on my credit out of fear that they will continue to add fees to balance. 

Pls advise what I can do to prevent this company from continuing to add fees and also to make them stop from putting collection count on my credit. I do not want to deal with this collection company bc they are useless in providing info and continue to transfer me around. I want this permanently removed.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX  XXXX XXXX Account XXXX : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Fortiva. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2024-10-07
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. (FL)

My personal information has been exposed during recent data breaches, I have included the FTC report for the information that needs to be removed from my credit report. My right to privacy has been violated. The FCRA, 15 USC 1681 et seq, governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. 

Please remove all these inquiries because they are unauthorized
Consumer complaint received 2024-09-03
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>, I fully paid off a debt that had been transferred to a collection agency by XXXX XXXX XXXXXXXX. It is important to note that the debt was sold to the collection agency without my consent, which I believe is a violation of my rights as a consumer. After paying off the debt in full, the collection agency assured me that the charge-off status would be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and Equifax ) XXXX 

However, despite their promise, the charge-off remains on my credit reports, negatively affecting my credit score. I have contacted the collection agency and the credit bureaus multiple times since then to have the charge-off removed, but no action has been taken to correct this inaccurate information. 

The original creditor was XXXX XXXX XXXXXXXX, but they transferred the debt to a collection agency without notifying or obtaining my consent. I have attached proof of payment and correspondence with the collection agency confirming the debt was paid in full. Despite the debt being settled, the charge-off remains on my credit report, and I am requesting that it be removed immediately as it is causing unnecessary harm to my credit profile. 

*Dates Involved : * - Date of full payment : XX/XX/year> - Date when the charge-off was supposed to be removed : immediately paid *Actions Taken by Companies : * - The collection agency promised to remove the charge-off but failed to do so. 
- I have contacted XXXX, XXXX, and Equifax regarding this issue, but they have not removed the incorrect information from my credit report. 

*Relevant Consumer Protection Law : * Under the *Fair Debt Collection Practices Act ( FDCPA ) *, consumers are protected from unfair debt collection practices, including the unauthorized sale of debt. The sale of my debt to a collection agency without my consent could be a violation of this federal law, particularly if I was not properly notified. I request that the charge-off be removed from my credit reports with XXXX, XXXX, and Equifax as soon as possible, and that my rights as a consumer be fully respected.
Consumer complaint received 2024-09-02
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-23
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-02
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. (FL)

I HAVE NO KNOWLEDGE AND HAVE NOT AUTHORIZED THE FOLLOWING INQUIRES. MY WRITTEN CONSENT WAS NOT GIVEN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXXY XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been getting charged {$14.00} every month since XX/XX/2019 from XXXX on my Bank of America Mastercard. I have disputed this charge several times with bank of america and have been unsuccessful. Bank of america 's response was " we are unable to approve your fraud claim because the charges made were recurring and have been charged regularly. I've called XXXX and they have no clue what the charge is for. I have records from an online chat with XXXX trying to dispute the charge and they are unable to find an account so therefor can't cancel the charge. Bank of America refuses to actually do their job and actually look into the issue. I guess they expect me to keep paying for a service that I never signed up for the rest of my life. What's the point of a fraud department?
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

HIPAA Violation : I did not give authorization, written or verbally to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that releases my PHI to them. If an electronic transfer was conducted then they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also, they need to provide a copy of their BUSINESS ASSOCIATES AGREEMENT ( BAA ) outlining their responsibilities to the covered entity pertaining to 45CFR 164.504 ( e ). QUALITY ASSET RECOVERY needs to prove the accuracy of the amount alleged to be owed by providing a full accounting in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points. ALL correspondence is to be considered evidentiary.

Alleged account XXXX**** my report does not provide a full acct # Alleged amount owed {$120.00}
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I have a collections account in the amount of {$430.00} that is being reported by Midland Credit Management in error. 

Midland bought my account from XXXX XXXX  in XX/XX/XXXX. On XX/XX/XXXX, I wrote to XXXX and Midland asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. Midland sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from XXXX XXXX dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from XXXX directed me to contact Midland for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both XXXX and Midland and when will the incorrect trade line be removed from my credit report?
Consumer complaint received 2020-03-03
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porsche Financial Services, Inc. (CA)

On XX/XX/year>, I filed for Bankruptcy XXXX XXXX and Porsche Financial was included as part of the agreement with the Bankruptcy Court. The court indicated that I could not keep my XXXX XXXX. I had to take it back to the dealership from which I first purchased the vehicle. 

My XXXX XXXX was filed and finalized in XX/XX/year>. While checking my credit report, I noticed a huge drop on my credit score. After looking at all my three credit reports, I saw that Porsche had sent my name to collections XXXX days prior to today. 

I have contacted Porsche Financial and all three credit bureaus. After speaking with Porsche Financial over the phone, I was told my name was sent to a collection agency ( XXXX XXXX XXXX : XXXX ). 

I would like to get this matter resolved, as my debts were included in the XXXX XXXX settlement. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-02
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.