davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

XXXX XXXX, XXXX has been retained to dispute an escrow analysis projection for mortgagor XXXX XXXX. The escrow analysis contains a number of errors. 

First, XXXX XXXX history of mortgage payments involves a {$1300.00} payment made for the last XXXX calendar months iterated on the escrow analysis. The Principal and Interest allocation is {$910.00} leaving {$400.00} to be deposited into the escrow account monthly. The escrow analysis reflects {$0.00} being deposited by the lender of payments received from XXXX XXXX. Thus creating a fictitious shortage of {$5800.00} and a wrongful demand of an extra $ XXXX. 

Second, the actual history of payments section reflects the second installment tax bill at {$3300.00} and that this payment was made by the lender in XXXX. In fact the bill was not published until recently and is due on XX/XX/XXXX and has been UNPAID by the lender. The balance due of the actual second installment is {$2100.00} and to date is still outstanding. The lender is holding sufficient funds to cover this liability given that XXXX XXXX has caused $ XXXX towards impounds. The actual property tax liability for XXXX was {$5600.00} and for XXXX {$5100.00}. An appeal was taken of the assessment and the resulting bill is reduced and stabilized for the next year absent the County granting further reduction to future appeals taken this year by XXXX. 

The insurance liability is {$1700.00} annually about $ XXXX Property Taxes {$5100.00} or $ XXXX Grand Total {$6900.00} or $ XXXX Monthly deposits should be about {$580.00} NOT $ XXXX. 

Attached are 1-The outstanding Second installment tax bill which reflects the reduction in the assessment amount XXXX XXXX XXXX Treasurers 20 year History of Payment Record. 

All three of these evidences support the fact that your analysis is flawed and that the Lender has not paid the taxes while holding the debtors funds. 

The account is not in the negative by {$5800.00}. Your escrow analysis is an erroneous account and we would like an accounting of the {$4800.00} which is not reflected on actual payments made by XXXX XXXX between XXXX XXXX and XX/XX/XXXX. The XXXX account is current. Unless this is rectified by Monday. We will file a claim with the CFPB. 


Very Truly Yours, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

Sterling has taken a VERY long time to complete my background check for employer " XXXX XXXX. '' This has been a nightmare and has also turned into a violation of the FCRA because they are waiting for public records from a XXXX that I've NEVER even lived in. The violation is wilful non-compliance a wilful injury, because they're the reason of me not being able to work and provide for my family. I have evidence that I NEVER have lived in this XXXX called XXXX XXXX XXXX therefore the background check should have been completed in a timely manner. I intended to sue to the fullest extent of the law under Civil liability Section 's 616-617. The background check has taken over a month to complete and should have NEVER taken this long to complete. I'm keeping track of all this information, correspondence ( I contacted this company muiltpe times ), and timeline for pending lawsuit should this background check not be completed immediately.
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management (TN)

I have been in dispute with Fox Collection Center since XXXX or XX/XX/2023. The debt collection company is refusing to remove inaccurate account information on my credit report and is violating my federally protected rights. I have provided proof of these violations. The company also responded to the CFPB in an untimely manner, and I am requesting that this issue is rectified. 

This company is also reporting on my consumer report as a debt collector and an attorney which is a violation of 15 USC 1692e ( 3 ) of the Fair Debt Collection Practices Act under False or Misleading Representations- ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The debt collector also did not send me any validation of debt per 15 USC 1692g as they stated they did on XX/XX/2023. They did not validate the debt upon request. The company did not cease all collection activities during the 30-day validation period. They are also reporting inaccurate information on my credit report for both XXXX and XXXX and reporting the account as open when the account is in fact a closed account. The FCRA is clear about 15 USC 1681 s-2 and other violations that have been stated in the law. The FCRA also mentions in 15 USC 1681e ( b ) that my consumer report must be XXXX percent accurate. The credit reports I have for both consumer reporting agencies are both inaccurate. I want the account from this company removed from all consumer reporting agencies and I demand that they cease and desist all collection activities.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to submit a formal complaint against Equifax located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2020-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (TX)

I received a letter about a debt that isn't mine from a company named XXXX. 

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX The letter stated I owe XXXX  {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : Velocity Investments Original Account : # XXXX XX/XX/XXXXAccount : # XXXX Original Creditor : XXXX XXXX South Dakota XXXX, XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.
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. (AZ)

Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, XXXX XXXX XXXXXXXX REPORT and validation attached. this is now escalated to courts for fines related to multiple violations
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to submit a formal complaint against Equifax located in XXXX, GA., XXXX located in XXXX XXXX, FL., and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (IN)

I applied to a Wells Fargo autograph credit card ref XXXX XXXXXXXX XX/XX/2023 I was denied but according to Section 15 of the United States Code ( 15 U.S.C. ) Section 1691 within this title is part of the Equal Credit Opportunity Act ( ECOA ), which aims to prevent discrimination by lenders against credit applicants based on race, color, religion, national origin, sex, marital status, age, or because the receive income from a public assistance
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got an auto loan for a XXXX XXXX XXXX from Capital One Auto in XX/XX/XXXX. O contacted Capital One in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to Capital One on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for Capital One a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX. I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then Capital One has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}.
Consumer complaint received 2023-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper had a breach to their system. It was back up and running and all payments were processed for XXXX. Trying to access my account with account #, social, on app, website, and phone and my account can not be located through any of these. Can not reach a person to even confirm if my account exists. I pulled out original loan documents and have entered all correct information and every means of communication says my account does not exist. Im concerned their system has been breached and there has never been a follow up to me as a customer from the original breach to let me know if my personal information was compromised. Disappointing to say the least. My immediate concern is the fact that my account does not seem to exist.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On   XXXX -17    I s ubmitted a complaint which notified TransUnion that I had disputed the e rroneous collection on my credit report pertaining to   XXXX   XXXX   the original creditor. I stated that a complaint was made thru CFPB challenging the validity of the debt.   XXXX   XXXX   failed to respond within the 30 days permitted by federal regulation. Even tho TranUnion affirmed this fact they failed to delete the item from my credit report. I have included new information that increases TransUnion 's burden to act. The collection agency   XXXX   XXXX   responded to the same complaint and with an affirmation to delete the collection from my credit report.  Reference  CFPB #   XXXX   TranUnion must ensure this unfair and damaging error is immediately and permanently removed from my credit report.