davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX new violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX New reported to Transunion that I applies for Credit which I never applied for, they violated my rights to have fair and accurate information on my credit report. 

My personal Information on my credit report is inaccurate as well I have requested to have my address, phone numbers and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

I have been harassed by this company XXXX XXXX since XX/XX/XXXX and prior to this date. They have been calling my home number and cell number requesting payments be made. I am receiving statements in the mail requesting payments on a balance of {$1000.00}. They are claiming they had purchased my account that I had with XXXX XXXX. My supposively charge off date with XXXX XXXX was XX/XX/XXXX. XXXX have sent letters offering reduced payment options. This company has sent negative reports to all three credit bureaus ( XXXX, XXXX, and XXXX Credit ) with an open account date of XX/XX/XXXX. I have sent a certified letter to XXXX requesting this information be immediately deleted from my credit file and to provide me with copies of any documents associated with this account, bearing my signature with XXXX showing that I owe them.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I contacted Equifax Credit Bureau to dispute inquires that I did not authorize on my credit report. I received a response stating the credit was accurate when I did not make these authorization. Further The credit inquire with XXXX was definitely not made as I have a deposit with their company for refusing to have my credit pulled. 

Following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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. (MO)

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. 
MXXXX 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.
Consumer complaint received 2023-08-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, XX/XX/XXXX Governor XXXX XXXX signed a bill to be effective immediately, applicably to be set in motion cases XXXX XXXX forward which states in part : OCGA 16-8-104 Residential Mortgage Fraud ( 5 ) Files or caused to be filed with the official registrar of deeds of any county of this state any document such persons knows to contain a deliberate misstatement, misrepresentation, or omission, OCGA 16-8-104 Criminal Investigation and prosecution District Attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases residential mortgage fraud under this article or under any other provision under of this title.Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud. 

Thus we have stood on premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round.In our files the loan numbers are as follows XXXX- XXXX, XXXX XXXX, Bank of America NAXXXXXXXX XXXX XXXXXXXX XXXX XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property.How SO.Therefore it is concluded that all assignments are valid and in order.Not So! 
We realize now that EXCEPT AS MAY BE NOTED HEREIN, THIS IS TO BE ACCEPTED AS A QWR TO VERIFY A DEBT .ANY INFORMATION THAT WE HAVE OBTAINED WILL BE USED FOR THAT PURPOSE. The above referenced numbers is in a clouded title therefore there is no Perfect Chain of Title and your claims and all charges as the date of this letter XX/XX/XXXX is in dispute with all recorded records that are recorded in the Superior Court of XXXX XXXX and all the recorded records that are in our possessions.We want to know who was or is the Master Servicer involved in the transactions of our loans concerning the 13 or more institution recorded in court and the loan origination as the dates were changed and that our original loan was a repurchase.We have also concerns there there is fraudulent activities between all parties involved with our loan, this also includes the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX as well as XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents.Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that XXXX was not a party in this Loan .In God We Trust XXXX XXXXXXXX
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (AL)

I filed a complaint against Scott & Associates and they hired/ moved the account ( for which I have no knowledge of ) to XXXX XXXX XXXX. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: E Mortgage Capital, Inc. (OR)

On approx. XX/XX/XXXX. I reached out to E Mortgage Capital for a quote. I received a quote and went back an forth with a gentleman names XXXX. There was some misunderstanding on his end and I ended up reaching out to his supervisor. His supervisor who's name is " XXXX - XXXX # XXXX, # XXXX " took over the request. After going back and forth with XXXX, we finally came to an agreement and signed documents moving forward. 

I was very responsive and quick on any requests XXXX and his team made to make my loan process go as smooth as possible. I had little communication from him, no calls back when he did inform me he would call me back. Many of the times I did call him, I was joined in on a three way call with another one of his clients. I hung up multiple times therefore I was not hearing personal information from another client. This happened on multiple occasions. 

I signed closing documents on XX/XX/XXXX. This quickly changed. They stated that my documents were not going through due to some other issues with XXXX XXXX This included a credit dispute that was on my acct. I ran around in circles to get it resolved. After over a week going to my bank, calling the XXXX number to get things taken care of. I was assured by XXXX and his team that this would get my loan pushed through with no other changes. Note, this is well after me signing my CLOSING documents. After getting this taken off. My credit then was XXXX points higher than previous. I was then informed by XXXX that my loan does not qualify and I would need to come up with 5 percent down instead of the 3 percent that I signed for. He ended up working up the loan multiple different ways and informed me he would be waiving all fees for his underwriting to get this done. After going around and around, I supplied him with documents supporting more income from my kids ( survival benefits ). This ended up getting the loan pushed and authorized. He at the end did not waive his fee as he stated and still charged me. 

XXXX had made multiple comments about how much he makes, how much I am " Winning '' by getting house and that it would pay off. He ended up also stating that a lot of other " lenders '' would of dropped me and moved on due to bigger deals out there and that my deal was " minor ''. I am absolutely infuriated by how I was told multiple times the loan terms and agreements, got all the way up to my closing date and the loan terms then changed ( after closing documents were signed ). 

My closing date was missed. I had to come up with over XXXX more than what I was originally quoted and signed for. 

I am more than happy to speak to someone regarding this in more detail.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/23 I sent a letter via US postal service certified mail to Caine & Weiner requesting to validate a debt. Tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

The letter was received on XX/XX/2023 at XXXX. There has been no response or debt validation letter sent to my address I provided in the letter.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite numerous attempts since XXXX, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! 

I have tried to notify Capital one but Im forced to resort to send a letter, using my letter head, in order to wake someone up that this is serious and each time it occurs its increasingly aggravating. 

Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX Ive sent emails, sent faxes, and even left my call back number and name in the queue for a rep to call me back to no avail. I have filed a complaint with the Consumer Financial Protection Bureau. I understand that COVID-19 has disrupted businesses, including my XXXX, but common decency should allow to call me back. This is my final attempt. I have already spent a whole day on the phone trying to reach your staff, costing me nearly {$1500.00} which I expect to recove
Consumer complaint received 2021-08-27
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. (NY)

THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE CREDIT.
Consumer complaint received 2023-08-16
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. (MA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN 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 an account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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
Consumer complaint received 2023-08-23
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. (MI)

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 anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

There is inaccurate unverified information posted on my credit report with XXXX XXXX and XXXX I do not recognize this debt and if it that is mine I request the original signed contract with my signature. I have sent several requests to dispute this information with the three credit bureaus and it has not been removed from my credit report after 3 attempts. The credit bureau has stated this information has been verified but I have no documentation or proof and what means this account was verified. I have not received any documents showing that this information is valid and that it is mine.
Consumer complaint received 2023-10-19
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)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against you.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially Equifax and XXXX Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have no account associated with these companies no authorization.
Consumer complaint received 2023-10-19
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. (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXXXXXX Mortgage reported the mortgage as late, my score plummeted and XXXX at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXXXXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.