davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$530.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-12-13
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

PHH mortgage has put my past due amount on my mortgage ( due to covid 19 loss of businesses ) of $ XXXX to a Balloon payment at end of my mortgage without my consent after delaying for 9 to now 16 months working with and rufusing the XXXX  ( HAF ) money in every way possible of whom is willing to pay in full. XXXX has tried to pay even sending a check of which PHH never cashed. PHH Told me they even were unjustified to do so missing proper signed papers and would reverse it but now refuses to after more delays, lack of communication and misinformation as well as changing my representative.
Consumer complaint received 2023-01-31
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXXXX/XX/20
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am submiting this complaint because I have tried unsuccessfully for more than a year to get access to my Equifax online account. Every option to verify my identity through my government issued ID has failed, and no representative has been able to give me a straight answer, nor a solution. I need this situation rectified ASAP, so I can have access to my credit reports and scores from Equifax.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are bulleted.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 



I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( phone number ). 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (MI)

Our original mortgage was XXXX  XXXX  they put us in a bogus modification then turned around and made us sign a contract to keep our mortgage with a 60 year mortgage we just cant get above our principal mortgage was XXXX now after 20 years XXXX they had there hands slap and that was it then chase sold our mortgage to XXXXXXXX XXXX XXXX we have really high fees and always have to fight for our escrow I keep really close tabs on this and they always always say we are short not true now we have been bought out again by XXXX XXXX  and they say we are short again on escrow XXXX and owe XXXX in late fees not true our five r net needs to stop this predatory lending please help
Consumer complaint received 2024-04-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX Bank XXXX XXXX Account # XXXX First XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX  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. Witch I never in no manner provided to the fore mentioned parties listed above.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

I began receiving {$85.00} charges on my XXXX card after using my debit card to pay for a t-mobile shipping fee for my grand parents XXXX card. Everything else was under their name and debit card. By XXXX, I began receiving debt collection notices from XXXX and another company. I tried speaking with several t-mobile representatives who were clearly over seas. They all would keep me on the phone for hours and then say they were looking into it but never get back to me. A gentleman named XXXX eventually reached out to me from XXXX executive who said he would send me an email to fill out and I never received an email, and every time Ive tried reaching him it goes to voicemail and no one ever calls me back. Please help. 
An operations manager for XXXX, named XXXX XXXX, essentially accused me of lying and said that they already sent me a fraud package and that he would not send another. He said if I didnt receive it, thats my problem and I can now go in the website to retrieve it. Again, Im expected to use my time to do all this work because hes mad I never received it or else hes accusing me of lying about having received it. I asked him if it had a required signature, to prove I did receive it. He said that wasnt his problem. He would let me go but just kept talking over me and arguing with me until I eventually told him Id be reporting him and the company and hung up the phone, by then completely distraught. I couldnt handle another word of being accused of having no moral integrity and expecting me to just pay money. 
Im happy to provide any and all documents Ive collected from this issue so far. 

Thank you
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. This company has not responded in former complaint other than to send over a ledger document that does not belong to me as I have never done business with this company. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-10
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I reviewed my credit report last week and noticed an account on there that I dont recognize. I would like it removed from my credit report. I also have reviewed my hard inquiries, and I did not authorize the lenders to access my report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

Equifax kept on putting me through loops on their phone system and was not able to manually unfreeze my credit report through their website even if my security verification went through. Cant check status of my credit now. Their website is always broken and I keep getting spammed by XXXX time passcodes for verification even if I did not request it
Consumer complaint received 2024-04-10
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 recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on Equifax, XXXX, and XXXX, Equifax XXXX and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with XXXX different accounts when I only have XXXX account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. Equifax, XXXX, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.
Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (TX)

Mortgage company did not pay my escrow for 2 years. Company states that they did not receive my paper work for my insurance initially. 

Mortgage company did not do a reassessment since XXXX skipping XXXX. This year ( XXXX ) they stated since I did not have insurance and shows a deficit of XXXX dollars for my insurance for the year of XXXX, XXXX and XXXX they accumulated all 3 years and divided it into the current year raising my mortgage by over XXXX additional. Called bank they stated that my information on record was incorrect and is why I did not have access online and apologized. Company stated that they apologize for not doing an assessment year prior but there is nothing they can do I have to pay the amount since my original policy could not be back dated.
Consumer complaint received 2017-09-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IA)

I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (TX)

I had a credit card charged off and first source advantage bought the debt. And also XXXX XXXXThey  sent me emails for about six months to pay the debt off, but at a discounted rate of {$590.00} versus the original amount of I believe {$740.00} so after six months I finally come up with the money to pay the discounted amount. I pay the {$590.00} in full with my debit card on XX/XX/2023 to firstsource advantage and then I dispute it on XXXX, XXXX  and XXXX only to have the credit reporting agencies say I still have a balance of {$140.00}. If the offer was for a reduced amount then why do I still have to pay the balance I feel they were sneaky and misleading with what I owe and the amount they were willing to settle for
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (MN)

I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX  credit card opened on or about XX/XX/XXXX 3 ) XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX Self Lender opened on or about XX/XX/XXXX 6 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX self lender opened XXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 4 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX opened on XX/XX/XXXX 7 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are XXXX fraudulently are listed below 1 ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX 2 ) XXXX XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
Consumer complaint received 2023-06-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really XXXX,