davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. XXXX XXXX and capital one card are not my doings. Can you help me?
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hello on XX/XX/year> I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
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. (PA)

XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I filed bankruptcy XXXX and was allowed to pay interest only which my contract states. I made all my the payments. Approximately three months before my discharged, Nationstar Mortgage is stating I am past due, I made all my payments on time. Nationstar has returned my checks stating that the amounts are not enough for payment. They have not processed my Harp due to incomplete forms I filled out all the forms that was mailed to me they did not send me all the forms at the same time, causing me to be late for their time line. They have also reported to the credit bureaus that I am behind in payments, I am not. 
They have refused to send any or all information requested by my attorney to be mailed to her. My attorney has asked me to seek other advised, due to Nationstar non corperation. On XXXX XXXX, XXXX they have cashed a check in the amount of {$790.00} for XXXX XXXX, XXXX payment. Refused XXXX payments now wants money orders but no personal checks my checks have not bounced I told them this would cause a hardship to have to pay extra cash for money orders or cashier 's checks etc. due to them not accepting my checks that I already paid for and have plenty of.. 
By XXXX/XXXX/XXXX they will accelerate foreclosure on my house a certified letter I received today XXXX XXXX, XXXX by a person who has not been able to be reached by my attorney.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number ( xxx-xxx-xxxx ). 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. (NC)

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.

has violated my rights. Or a 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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

. I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
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. (DE)

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.

Please note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.
Consumer complaint received 2024-05-02
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)

Equifax, XXXX and XXXX failed to provide factual documents about these accounts and they have to be removed. 

XXXX -Employer is no longer XXXX -Address has to be removed-XXXX XXXX  XXXX XXXX  XXXX XXXX, NJ XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX Installment account # XXXX -failed to provide factual documents about XXXX XXXX revolving account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -Address has to be removed XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX Equifax -Employer is no longer XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (FL)

In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I hav
e 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 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

The purpose of this writing is to update your agency about the progress of Wells Fargo to make me whole under CFPB-0011 In the Matter of Wells Fargo Bank N.A.. 

As directed by your agency, if I did not hear from the bank by a certain time your instructions were to call the Wells Help number your agency provided. 

Wells Fargo has issued me a assigned case # XXXX by letter dated XX/XX/XXXX in acknowledgement that I am a customer harmed by their mortgage fraud. 

This information below illustrates the value of my financial loss. 
Sales record from the XXXX XXXX XXXX of taxes website :. 

The current Fair Market value is {$420000.00} Date of Sale Sale Price Book Page Condition of Transfer XX/XX/XXXX {$480000.00} XXXX XXXX XXXX  XX/XX/XXXX {$340000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$360000.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$160000.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note that since XXXX I had paid approximately {$100000.00} in mortgage payments to Wells Fargo N.A. of which documents can be supplied by a well respected financial analyst. 
Note that I paid cash of {$70000.00} toward the purchase of the home to XXXX XXXX. 
Note that all my personal property after the sale of of my home on XX/XX/XXXX was thrown into a few dumpster loads. I estimate about {$10000.00} of personal property loss. ( includes appliances, furniture, garden tools etc. and other personal property )
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are unauthorized hard inquiries across all XXXX credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX XXXX Transunion ). XXXX XXXX Transunion were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. XXXX asked that i submit an identity theft report ( attached ) before looking into my inquiries.
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

. I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

On XX/XX/XXXX, my mortgage payment was deducted from my account and a check for {$890.00} was written to US BANK and sent to them. Apparently this check went to the wrong XXXX XXXX and the receiver was able to cash the check, which cleared my account on XX/XX/XXXX. 
I have been working with my online bill pay provider for the past few months trying to get this issue rectified. They have asked US BANK to sign a form stating they never received my payment. Without this form, my online bill pay provider can not release my funds back to me. US BANK has REFUSED to fill out the form. They have lied to us several times saying the form was mailed. It wasn't until TODAY ( XX/XX/XXXX ) a customer service manger got on the phone that we learned the head of  their Payments Received department refused to send the form back! 
So my money can not be returned and US Bank says our mortgage is in default. We need the money back to pay our mortgage and US Bank has been ABSOLUTELY UNPROFESSIONAL AND UNHELPFUL!
Consumer complaint received 2024-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (TN)

On XX/XX/year> LoanCare LLC received two checks, a written notice, and a payment coupon, specifying that XXXX check was the monthly payment due on XX/XX/year> and the other check was a " prepayment '' or extra payment towards the principal balance in accordance with the signed loan agreement. On XX/XX/year> LoanCare LLC processed the payments incorrectly, debiting the monthly payment check from our account but not applying it to our loan account at all. The second check, for the prepayment, was incorrectly applied to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> payments. Written notice of the misapplied payment and missing payment are being sent directly to LoanCare LLC in addition to this complaint. 

This comes after LoanCare LLC mishandled a prepayment in XX/XX/year>, which was subsequently corrected after written notice was provided. 

This also comes after LoanCare LLC failed to provide escrow documents in accordance with the signed loan agreement and federal regulatory requirements. LoanCare LLC provided a monthly statement which did not reflect a line item for escrow, however, their website reflected a higher amount due than was on the statement. The higher amount on the website included escrow and when I called to inquire about the discrepancy I was told we only needed to pay the statement amount. When we paid the higher amount, to be safe, the additional amount was applied to escrow instead of as a prepayment towards the principal balance. Written notice of this issue was received by LoanCare LLC and instead of applying the escrow balance to the principal as requested, LoanCare LLC removed escrow ( this was requested ) from our account and sent a refund check for the escrow balance.

There is a pattern of disregard by LoanCare LLC to the signed loan agreement which would result in significant financial gain for their company and costing us thousands in additional interest. Is this because it is a VA loan, or because this is how LoanCare LLC conducts business as general practice?
Consumer complaint received 2024-05-02
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. (VA)

Over period of 2 years, most recently XX/XX/year>. Creditors and I can not get history on any accounts through Equifax. XXXX and XXXX both have files. In the Equifax file it shows a score but no history. I have provided documentation for identity, screen shots, and letters from creditors stating unable to pull files. Equifax claims it is not on their end.
Consumer complaint received 2023-10-14
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. (GA)

When I reviewed my credit report, I discovered that some of the information was 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX