davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

We acquired a mortgage from Wells Fargo in XXXX. My employer started bouncing payroll checks in XX/XX/XXXX. We called to arrange a late payment to Wells Fargo and explained our situation and that I was moving employers and could be late on my XXXX XXXX  payment. The lady helping us was super helpful and said ( and I can almost quote her, even after all these years, ) XXXX XXXX  I can move your payments out to XXXX XXXX and just move them to the end of the loan. We were ecstatic! About /around XXXX time we received paperwork for a forbearance. We did some research and made a few calls and it seemed it was a good thing via our calls to Wells Fargo. XXXX came and we received letters that our homeowners insurance lapsed and they ( Wells Fargo ) were going to place forced insurance on our payments of almost {$1200.00} a month. Of course we called and tried arranging some sort of alternative but, I couldnt find insurance that would insure me during a forbearance and I couldnt afford the new payment. 

Approximately XXXX XXXX, all finances were caught back up, but I could not fix our mortgage. We waited and tried a few lawyers, but, our efforts did not turn out well and we were foreclosed on in XXXX and the new owner demanded we move during XXXX withXXXX kids and XXXX foster kids. We declared bankruptcy, and that was finalized in XXXX ( ish ) that year. My facts my not be on an exact timeline. 

My belief is that if not for that rep misleading us to a forbearance, we could have handled the late payment and still have that beautiful home we wanted to retire in. 

I didnt know about the Wells Fargo settlement and the lawyers we spoke with back then told us our case was worthy, but we didnt have the finances to fight. Now in light of Wells Fargo I heard about we seem to fit that description.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WA)

I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to!

I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record.

Thank You
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (FL)

The debt sent to the collector was originally from a medical facility. I looked it up, Since I recently got XXXX, I wanted to make sure that it would be paid under SS, I called the original biller. Originally, I had tried several different angles to get the collector to work with me. When I finally called the Doctor/hospital, I found the bill didn't even exist. The debt collector refused to remove it. Spoke to XXXX.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

I Have Sent This company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of MA. Please have this company cease all collection activities this is my last attempt to complain outside of court.
Consumer complaint received 2024-04-30
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. (LA)

To begin, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. 
I, a federally protected consumer, have never conducted business with a XXXX XXXX. I have contacted this company by mail requesting proof of a contract containing my wet-ink signature with no response or recourse. 

I have conducted a UCC-1 search in the states that I have lived in the past 10 years. My search produced XXXX liens from any person or organization. 

Just because this company purchased a debt, Experian does not have the right to continuously violate my federally protected consumer rights which have a severely negative impact on my livelihood. 

Furthermore, I have disputed this fraudulent activity on both XXXX and XXXX and both have admitted to their faults and removed this item from my reports. 

I will request one additional time that you remove this item and update my report accordingly.

I will be seeking remedy for no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCK AND REMOVE I urge you to take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not initiate or approve these accounts, and it is unjust for me to bear responsibility for them. Please promptly address this matter.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I had a car loan with XXXX XXXX that ended in XXXXXXXX XXXX XXXXXXXX due to me sending the car back due to financial situations they sold the car out in XXXXXXXX XXXX XXXX which left me a remaining balance of XXXX. Then approximately XXXX XXXXXXXX XXXX XXXXXXXX I noticed on my credit report that there was a balance increase which should not happen I called XXXX XXXX they said they fixed it then approximately a week ago I received another notification that my balance was once again changed on XXXX XXXX to a higher amount and then also they added five late payments to the account as well which there is no late payments on the account. So now my credit is being affected because of this and I want them to take responsibility and just XXXX out my loan because of their mistakes and fraud
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I began disputing these items with the Credit Bureaus, and more specifically Trans Union and XXXX on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

on XX/XX/2023 Website XXXX XXXX is accusing me of owing them XXXX dollars. I have never opened an account or credit card with this company nor did I authorize for my benefit. I have reached out numerous times and have requested to have this remove. Its affecting me in every way and its unfair due to this account not belonging to me.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Consumer complaint received 2024-05-06
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. (NY)

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am the victim of identity theft. I already completed the whole process and filed all of the necessary paperwork and sent it off to the credit bureaus and it has been nearly 3 months and they have not done anything at all about this. I know that this is illegal and they have to respond to me in 30 days. Not only did they allow someone to access my information and commit fraud against me but now they are not doing anything at all about rectifying this and it causing me alot of harm.
Consumer complaint received 2024-05-22
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. (TN)

My mortgage is held by XXXX XXXX Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with XXXX to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus ( Equifax and XXXX ) have been attached.
Consumer complaint received 2024-05-22
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-22
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

On  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

I have had a credit card with Home Depot for a few years. I needed to fix my home up and it was best option at the time when I signed up. I make my payments monthly as agreed, over the amount required. I've never missed a payment since opening the account. My interest & fees is around {$86.00} which doesn't make sense to me. My minimum payment is around {$29.00}. I pay at least {$100.00} each month towards it. I am XXXX XXXX XXXX and receive a fixed income through the government.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Consumer complaint received 2024-05-22
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. (MT)

I disputed to reporting agencies all debt concerning XXXX Card Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2023-05-04
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. (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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.