davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

in accordance with the Fair Credit Reporting act 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 dept ed XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I value your help too remove a portion of the data in my credit file that came about because of fraud yet I have an Items passed on that should be taken out or remove Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXX/XX/XXXX ( Original Creditor : ) XXXX Balance : {$1400.00} ( Original Creditor : ) XXXX Balance : {$610.00} 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TriPoint Lending, LLC (FL)

I enter into a XXXX XXXX XXXX with Alleviate Financial Solutions on XX/XX/XXXX. XXXX credit accounts. Made payments of {$480.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and {$520.00} on XX/XX/XXXX, total of {$1900.00}. On XX/XX/XXXX XXXX contacted XXXX & XXXX for a settlement of one my creditors, XXXX XXXX ; which was agree by me for about {$3900.00}. from the original amount of a {$8000.00} ; which was the highest of all my debts, for payments of {$160.00}. for 24 months and a payment was made of {$160.00} in XX/XX/XXXX. To my surprise I checked my Portal to see my balance and it was on XXXX. So I almost had nervous breakdown to know that {$1800.00} had all gone on fees. I have contacted other Debt Resolution Companies and they tell me that the fees are actually divided into monthly smaller payment and those are included in the monthly amounts that I send every month. Allviate Financial Solutions are service by a financial institution by the name of XXXX, XXXX. To make a longer story short, the matter of the situation is that charge me all that money in one instant ; and I am very disturb that I was so angry and called and cancel my debt resolution program. By the way, I think they picked the highest one creditor so they count deduct the highest fee. Made several calls and always was someone different ( case mananger ). Tel # XXXX ext XXXX. My account should be XXXX. I am a XXXX yrs old XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX, and woul like to see justice done. Thank very much for your time and consideration.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

My husband had gotten an alert on his credit score saying that it dropped by XXXX points. We looked on it and it says that 2 accounts went to collections by Commonwealth finance. The original creditor is XXXX XXXX XXXX XXXX. The amounts is for {$1300.00} and {$93.00} and were opened XX/XX/XXXX. I called the battery point services to see what this is about. The number is based in Texas but the phone number is disconnected. The address is at a local hospital here so I contacted them. The hospital said that my husband hasn't been seen since XXXX and he has now debt and nothing in collections. I called Commonwealth finance. The lady there told me that it was from a physician in XX/XX/XXXX. It supposedly went into collections in XXXX but is just now reported on his credit. The XXXX XXXX XXXX XXXX say on a website that they were established in XXXX but is listed as the original creditor on the account dating back to XXXX! He has never had a medical bill because of his insurance. We have never gotten any notification of him owing a medical bill and was never contacted. We found out because Commonwealth finance reported it to his credit. I have also read reviews of XXXX XXXX XXXX XXXX doing this to others with bogus bills. And Commonwealth finance also has bad reviews of screwing people over. Commonwealth finance did say that they will dispute it. But it won't be taken off of his credit until it is disputed with the credit companies, which I can't do because of the coronavirus. Here is the link to the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

So late summer 2023 I was looking at options for my student loans due to all the new programs coming out. I was informed that due to the classification of my loans with XXXX that, they would need to be consolidated and I was told this by a 3rd party. I was surprised that XXXX did not reach out as a servicer letting their customers know of this issue with older student loans. I then started the consolidation process via https : //studentaid.gov and I was given the impression that the loans would go into deferment status during the process. However, the loans did not go into deferment and upon seeing the loans were reported to the credit reporting agency I contacted nelnet and applied for a deferment manually. The Loans are now consolidated and with another loan servicer, but my credit report is still showing XXXX accounts with XXXX that they reported XXXX  days past due. I have reached out by challenging the report and called them directly regarding this and they are dragging their feet and this is still adversely effecting me and need it resolved
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NJ)

I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2023-04-19
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. (FL)

I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.
Consumer complaint received 2018-05-11
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: Experian Information Solutions Inc. (MD)

My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.
Consumer complaint received 2018-05-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

Foreclosed on my property while going through trying to get a repayment plan or some kind of help to prevent foreclosure. And they prolonged my paperwork. I have asked to reinstate my loan and they tells me its nothing they can do and I know it is I have called numerous of times begging for them to get it straight I feel like the escalation team did not do a complete review in my account cause if they did they could see I have been dealing with this since XXXX of 2017. I felt like I was being prolong on writing hardships explaining why Im having large sump of being debiting into my account where they can clearly seeing coming from my work place they have the bank statement and my paycheck stub with the same amounts I have worked day in day out to get this account straight. Shellpoint mortgage service had me writing so many hardship letters on stuff that they had from the judge about child support just crazy stuff. They knew exactly what they was doing and as for XXXX XXXX whose suppose to be my case worker didnt know anything he couldnt even tell me what was a I unapplied balance was. Thank to XXXX XXXX she explained it to me and couldnt believe what Shellpoint has done and clearly they seen I was trying to avoid this situation.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I was granted an extension from XXXXXXXX XXXX  for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background (PA)

On XX/XX/2023, Victim of Identity Theft attempted a Private Right of Action with Respondent via Online Dispute Process. 
Perversely, Victim was not availed of any resources that would facilitate the relinquishment of the requested report. 
Respondent, via an XXXX XXXX XXXX, did receive Victims request for Documents and Opportunity to cure and refused to comply with the victims request. 
Victim contends that this action is violative of Victims Rights to The Prohibition on the Inclusion of Adverse Information Rule V. Victim states that respondents are causing irreparable harm to victim including, but limited to ; economic distress, loss of community status, emotional distress, mental anguish, loss of life, liberty, and the pursuit of happiness.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-06-22
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. (TX)

I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

I have a loan with Mr. Cooper, on XXXX I was about to loose my home, Mr. Cooper offered me something call : LOAN MODIFICATION, I was desperate, I don't speak, write or read English good. A man came to my house with the loan modifications papers ( more or less XXXX pages ), I signed the papers, then on about XXXX, I had another modification, a lady came and I signed papers. I am a single woman with a XXXX XXXX XXXX son with XXXX living with me, in XXXX, I was about to loose my house again and I tried bankruptcy but since I could not come with the {$2200.00} plus monthly payment the bankruptcy was dismissed. 

Every time I owed 2 months mortgage, I paid 1 month, I was struggling to keep my house. On XXXX of XXXX, I retired from my job because I am XXXX XXXX XXXX and when I got my retirement FRS investment check, I took it and sent {$90.00} to Mr. Cooper. I said to myself, I will not be able to pay {$890.00} out of $ 1183 monthly Social Security Income, the best thing to do is to pay off the mortgage, to my surprise, Mr. Cooper 's representative told me there is a second mortgage in my house with somewhere call HUD. They gave me the information and they claimed that I did 3 loans modifications, I said I did 2, they sent me the forms that I signed which are for 2 loans modifications but HUD FHA said there are 3 modifications and since the first mortgage is paid off, I must pay {$24000.00} immediately or they will start foreclosure process, I have no way to pay that sum, I never told when I did the modification, Mr. Cooper took a loan on my behalf, I don't know what to do, I don't want to sell my house and I was told that HUD don't give monthly payment, I have to pay or else, even tough I have a lot of equity, my lender Mr. Cooper told me that because of my credit score they won't help me. If I knew about that loans with HUD, I would have not paid the {$90.00} I would have saved it and not paid the house. PLEASE HELP ME!
Consumer complaint received 2023-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I was made aware that my personal information was stolen on a data breach, I've since been taking action with the bureaus to remove many things from my credit reports including over XXXX inquires, XXXX addresses, etc. This debt was found and I never received any information about it, the address it is under I never resided and I can't get it off my report because of this collector. I've disputed the debt two times now asking for verification or validation of such debt and I've yet to hear a word from this company. I asked to see the original signed contract, any agreement I had for them to post this on my report, anything and have received nothing.
Consumer complaint received 2023-10-19
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. (NY)

these inquiries in my report are totally inappropriate pleses remove it 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 2023-06-22
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)

When I reviewed my credit report, I discovered that these accounts were 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-10-19
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)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).