davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-20
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)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Issue Summary with PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Current Holder of the Debt : PROGRESSIVE MGMT SYSTEM Account Type : Collection Date Opened : XX/XX/XXXX Status as of Last Update : Collection account, {$1600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of Last Update : {$1600.00} Balance Updated : XX/XX/XXXX Original Balance : {$1500.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$1600.00} Responsibility : Individual Details of the Incident : The account in question originated from services provided by XXXX XXXX XXXX XXXX. The last payment recorded was on XX/XX/XXXX. Following this, the account balance increased from the original amount of {$1500.00} to {$1600.00} by XX/XX/XXXX, reflecting accrued interest or additional fees. 

Actions Taken by the Company : As of XX/XX/XXXX, the debt was transferred to PROGRESSIVE MGMT SYSTEM, and the account status was updated to reflect a collection status. There have been no further communications or explanations provided regarding how the original balance increased or why the account transitioned to collections after the last payment. 

Actions Taken by Me : Upon noticing the collection status on my credit report, efforts were made to understand the debt escalation from {$1500.00} to {$1600.00}. Requests for itemized billing statements and communications from both XXXX XXXX XXXX XXXX and PROGRESSIVE MGMT SYSTEM have been initiated to clarify the charges and confirm the accuracy of the debt reported. 

Requested Action : I am requesting a detailed breakdown of all charges leading to the current balance of {$1600.00}, including any interest and fees applied. Additionally, a review of the communication attempts made before transferring the account to a collection status is requested. If discrepancies are found or if prior notification requirements were not met, I request the immediate rectification of this issue, including the adjustment of the balance and removal of the collection status from my credit report.
Consumer complaint received 2024-05-12
Product: Credit 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: WELLS FARGO & COMPANY (FL)

The credit card was stolen from wither my mailbox or at the post office in mid XX/XX/XXXX. I am attaching a detailed statement of what transpired between me and Wells Fargo since XX/XX/XXXX. I am also attaching other pertinent information.
Consumer complaint received 2020-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I lost my part time job due to the Convid-19 virus and I called my load servicing company, New Rez Or Shellpoint Mortgaging Servicing, to defer my payment for a few months. The company told me I can defer payment for three months, but I will have to pay it back in a lump sum after the three months were up. That of course is ridiculous since it will be difficult to pay my mortgage now, tripling it in 3 months will be impossible. I spoke to an XXXX spokesman who said borrowers with a XXXX or XXXX  mortgage arent required to pay back their forbearance in a lump sum.
Consumer complaint received 2022-10-26
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. (IL)

This is regarding an existing issue with XXXX XXXX and equifax XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (SC)

XXXX XXXX XXXX, is falsely reporting a collection account on my credit report inaccurately. They are reporting a collection account as open and past due, which is inaccurate. They are reporting late payments on a collection account which is inaccurate. They are reporting different dates opened, Last reported and Last Active, which is inaccurate. They are reporting the same collection account under different names which is inaccurate and illegal. Ive communicated through ALL credit bureaus and disputed with them multiple times. All come back verified with is a complete lie because this account is so inaccurate and false. Per the FCRA, Im entitled to a correct credit report and I DEMAND for XXXX XXXX to completely delete this account off my credit report due to it being false and inaccurate.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

In accordance with the fair credit reporting act this creditor ( American Express ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
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. (PA)

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 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 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (CA)

This is another in a continuing series of complaints against Rushmore Servicing. I am still attempting to have my loan modified or to receive a trial forbearance. This company continues to delay the process by continuing to demand more and more documents from me, slowing down the loan modification process. At this point, I feel they have no intention of actually reviewing my documents and actually granting me a loan modification or trial forbearance. I also feel I am an outstanding candidate to have my loan modified. 

My attempt to receive a loan modification or trial forbearance has now continued for months, actually stretching back to XXXX 

Rushmore officials are now demanding more documents from me, with some being new documents never requested before. In XXXX of XXXX XXXX, Rushmore sent a letter to me verifying that I had sent in all of the documents necessary to complete a loan modification or trial forbearance review. I then followed this up with a phone call to a Rushmore representative in their loss mitigation department and was orally informed by a representative that I, had indeed, sent in all of the needed documents to allow for a review of a loan modification. Then, in late XXXX, Rushmore changed its mind and decided that it did not have enough documents and promptly demanded more, going back on its oral and written word to me that the document gathering process had been completed. A representative by the name of XXXX XXXX also informed me by phone that more documents were needed. I have now sent in yet more documents to Rushmore in this simply never ending document gathering process in an attempt just to get to the review part of the loan modification process. In summation, as I have pointed out in the past, Rushmore Servicing continues to be dishonest and untruthful in this process and is purposely continuing to demand that I provide documents. As many mortgage service companies are know to do, Rushmore is illegally dragging out the loan modification process with no intention to actually review my documents that I have submitted, much less grant me a loan modification or trial forbearance. I have done everything asked of me by this company and still I have been stonewalled by Rushmore. The government should investigate Rushmore and other loan servicers who engage in this sort of illegal conduct and take appropriate action against them.
Consumer complaint received 2023-12-20
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'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 2024-01-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

So tried applying for apartment in my name I been telling the company it wasnt me and I keep getting calls repeatedly and I tried to pay it off but why would I pay something off that wasnt my one creditor overlook at XXXX  I guess 4 insufficient chargers of {$76.00} dollars and a {$170.00} dollars application fee I never stayed at this property back in XXXX of 2022 and another debt from XXXX at XXXX XXXX I never stayed there either and that was XXXX of 2022 and now its just affecting my credit
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (AZ)

I had an unauthorized usage on my wisely card of {$300.00} at a gas station and I reported it the next day. After multiple days of calling and waiting on nothing I got a letter saying to sign and to verify all I have said was true. I signed and sent out the letter at around XXXX, the next day I receive another letter ( without them receiving the first document ) saying that the case was closed and that no further action was needed as no fraud was detected. Every time I call I can barely understand the customer service person or they dont even help. Ive tried contacting XXXX who were the ones that issued the card at my job, no help either. I tried contacting the circle k where the transaction happened, no help either. Money is tight right now and dont know what to do about the stolen money. I cant even email them to keep track oc things everything is done over the phone with little to no help.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX XXXX, have been a victim of identity theft due to the Louisiana Data Breach ; as a Louisiana resident, all of my personal information was impacted and exposed, including my name, social, dob, and more. This Data Breach made global news. The inquiries below are not mine ; they result from identity theft. As this is not mine, nor do I account with these companies. My credit report needs to reflect more accurate information and remove inaccurate inquiries. 

Identity theft Inquires below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (TN)

On XX/XX/year>, XXXX Mortgage, which is my lender. I call to apply for refinancing with equity cash out. I to by the name of XXXX XXXX which is the mortgage consult. We did the application process, answered the questions that ask me about my race and gender. Once we went that process, he tells me that didn't meet the qualifications. I told him that my home is worth more he think and needs to appraise again. He tells me that in order to see my home is worth more that I have get an XXXX. I told that VA paise for it not me. He disagreed with me. I told him that VA paid for it before twice. He gave me his Phone and told that he was going check on and call me back. I never received a phone back. On XXXX XXXX, I can him and got another consult and told that trying to get in contact with. They said they relay the message. Never received the call back. On XX/XX/year>, I called again. They that they will relay the message. Never got a call back. I fill that when fold out that I was XXXX XXXX, he didn't want continue. I you need is call recording where i called the office.
Consumer complaint received 2023-12-20
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)

this is my 3rd time sending a complaint about the same inquiries that are not attached to any accounts on my credit report i have called several times and they are saying that my the picture of my id was not clear enough and they have not provided proof on how the inquires were verified
Consumer complaint received 2023-12-20
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)

On the date of XX/XX/XXXX and XX/XX/XXXX I notified Equifax, XXXX, and XXXX about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to Equifax, XXXX and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by Equifax, XXXX and XXXX they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (DC)

I complained to Exeter Finance LLC multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.