davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

YOU Experian have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Arivo Acceptance, LLC (WA)

i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I RECEIVED A HOME LOAN MODIFICATION PACKET FROM WELLS FARGO IN XXXX XXXX. I CALLED TO INFORM THEM THAT I DID NOT REQUEST A MODIFICATION WANTED TO ENSURE THERE WOULD BE NO FUTURE ISSUES. I CALLED A SECOND TIME AS VERIFICATION, THE REPRESENTATIVE INFORMED ME THAT I WAS NOT AT LIBERTY TO REQUEST THE REMOVAL AND MY MONTH MORTGAGE PAYMENT WOULD INCREASE IN XXXX XXXX, IN ANTICIPATION THAT WELLS FARGO WILL BE PAYING MY HOMEOWNERS INSURANCE BEGINNING XXXX OF XXXX. I EXPLAINED TO THE REP., THAT I DO NOT ESCROW AND I PAY MY OWN TAXES, AND INSURANCE. THE ONLY TIME MY ACCOUNT WAS IN ESCROW WAS WHEN I ATTEMTPED TO MODIFY MY LOAN, A PART OF THE PROBATION PROCESS IS YOU INSURANCE AND TAXES MUST BE IN ESCROW. AT SOME POINT I DECIDED I DID NOT WANT TO MODIFY, RESCINDING THE REQUEST AS WELL AS MY ESCROW ACCOUNT. WELLS FARGO ACKNOWLEDGED THEY DID RECEIVE THE NOTIFICATIONS, AND REMOVED THE ESCROW. HOWEVER, DURING THE PROBATIONARY PERIOD FUNDS WERE ADVANCED TO PAY MY INSURANCE AND TAXES. BECAUSE I DID NOT WANT TO ESCROW MY ACCOUNT A TWO YEAR PAYMENT PLAN TO BEGIN IN XXXX, XXXX ... WAS INITIATED. IN XXXX OF XXXX I CALLED W.F. AGAIN HOPING TO GET A RESOLUTION I SPOKE WITH A XXXX ... XXXX XXXX. XXXX XXXX. ISSUE STILL WAS NOT RESOLVED ... IN XXXX I SPOKE WITH XXXX XXXX XXXX, HE ASSURED ME THE PROBLEM WAS FIXED, MY MORTGAGE PAYMENT WOULD REMAIN THE SAME {$760.00}. I GET MY MORTGAGE STATEMENT MY PAYMENT WAS {$1000.00}. I CALL HIM AGAIN, HE STATED HE WAS WORKING ON IT, AND PROBLEM WILL BE RESOLVED. I GET MY XXXX. STATEMENT ... .STILL {$1000.00}. I CALL AGAIN, THIS TIME I SPEAK WITH XXXX, SHE STATED SHE WAS WORKING ON THE CASE, AND WOULD HAVE AN ANSWER IN 14 DAYS. 14 DAYS GO BY, I CALL AGAIN ... THIS TIME I SPEAK WITH XXXX XXXX XXXX. SHE STATES SHE SHOULD HAVE AN ANSWER IN 7 DAYS, 7 DAYS GO BY SHE IS OFF OF WORK. THEY ARE BEYOND GIVING ME THE RUN AROUND. I WALK INTO WELLS FARGO IN XXXX, TEXAS, I SPEAK WITH XXXX.. HE CALLS THE MORTGAGE DEPARTMENT, WHO EXPLAINS TO HIM THAT THE ESCROW ACCOUNT CAN NOT BE REMOVED BECAUSE W.F. PAYED MY INSURANCE IN XXXX ... .I FAX A COPY OF COVERAGE TO THE MORTGAGE DEPARTMENT. I SPEAK TO XXXX WHO CLAIMS SHE SUBMITTED A DOCUMENT TO THE ESCROW DEPARTMENT TELLING THEM TO REMOVE THE ACCOUNT. SHE ASKED I GIVE HER 3 DAYS, 4TH DAY SHE IS OFF. IT IS MY BELIEF THAT WELLS FARGO IS UNDERHANDEDLY TRYING TO FORECLOSE ON MY HOME BECAUSE I AM A XXXX PERSON. MY TAXES ON MY HOME ARE PAID, MY INSURANCE IS UP TO DATE. THERE SHOULD BE NO REASON FOR THEM TO ESCROW MY ACCOUNT. I AM REQUESTING A FULL INVESTIGATION INTO THESE ALLEGATIONS.
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (IL)

During the entire process the person that handled the loan ( XXXX XXXX ) that works for the bank quoted me certain numbers, rate, and downpayment amount. Once the appraisal was done of the property the rate increased and I was told if I increase the amount of the loan to include the {$5000.00} ( the property appraised at {$5000.00} more than what he was asking ) The original amount was {$320000.00} when the appraisal was done it appraised at {$320000.00}. XXXX XXXX ( the person handling the loan and paperwork ) stated that if I increase it to {$320000.00} which would take the equity out that it would be less I would have to bring to closing, she assured me that it would help me, however after I agreed to take the equity out, she increased my rate from 6.75 % to 7.25 % and then added additional fees, so that she ( XXXX XXXX ) can keep the {$5000.00}. She told me of how it was important to make my first XXXX payments and if I didn't the mortgage company would make her pay her commission back to them. She constantly rush me through the deal once she knew that this was my first time buying a home. Throughout the entire process XXXX XXXX told lie after lie regarding this loan. She stated that she increased the rate so that it would save me money in the end. All together my loan was for {$320000.00} XXXX received {$15000.00} from the seller for closing cost and I had {$11000.00} for my downpayment, XXXX never explained that i had to have closing cost and the 3.5 % downpayment I was repeatedly told that all I needed was the 3.5 % for the downpayment
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

Please review complaint # XXXX. Nationstar/Mr. Cooper responded to this complaint with documents emailed to me and your office. Their XXXX letter states a request to remove negative reports for XXXX through XXXX XXXX  was submitted XXXX, inferring they contacted 4 credit bureaus by including bureau contact info. A 2nd letter XXXXXXXX  disclosed that their processing error triggered the autopay draft to be rejected, causing the missed XXXX pymt. 

In follow-up calls to the credit bureaus, I discovered Nationstar misrepresented sending letters of correction on XXXX. I can not believe, after all the disputes and complaints I filed, they represented it had been taken care of, then had the audacity to report the delinquency as accurate or not send the correction notice to 3 of the 4 bureaus! 

1 : XXXX : XXXX XXXX stated theyve had NO contact from Nationstar since the original over-30-day delinquent report for XXXX ( shouldve been XXXX ) ; I filed a dispute by phone. I had not previously filed a dispute with XXXX, as I did not know of this bureau until I got Nationstars letter. 

2 : XXXX : XXXX did not receive a letter correcting XXXX, XXXX, or XXXX XXXX negative reports. Supervisor XXXX confirmed they received a digital notice XX/XX/XXXX verifying there was no pymt history for XXXX and it was over 30 days late. Previously they received an over-30-day delinquency report XX/XX/XXXX for the XXXX pymt, and the account was reported closed on XXXX XXXX. There were no other notices between XXXX and XXXX. I filed an additional dispute by phone against the new & old delinquency reports and will mail copies of Nationstars letters per XXXX request. 

3 : XXXX : XXXX XXXX advised the dispute was completed XXXX ; only XXXX had been reported delinquent, which was removed. They will send a letter XX/XX/XXXX when the update posts to my acct, after which I can obtain a new credit report. 

4 : XXXX : XXXX XXXX stated there was a recent report from Nationstar, unknown date ( stated the report date/content are not available to reps ). Currently it shows the XXXX pymt as >30 days late, no others. Previously it showed XXXX, then XXXX, later XXXX, as two 30-day-late payments. XXXX and XXXX have been removed, but not XXXX ; the request to remove negative reports is incomplete. 

Please investigate why Nationstar misrepresented sending letters of correction! After 5 months arguing over their processing error, they are still punitively misreporting!!! 

I am forwarding copies of the two letters from Nationstar to all 4 credit bureaus, since Nationstar is too inept to handle their responsibilities.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. Attached is a letter to once again dispute these inaccurate unverified accounts.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have written this company every month beginning XXXX XXXX XXXX  explaining to them that this account does not belong to me. I requested that they provide the original contract with my wet signature and date and terms ; but I have not received it as of this date-XXXX. I discover through research that they arent authorized to collect in the state of Florida.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (MD)

The consumer and natural person was denied credit by UPSTART when she applied for a personal loan, XX/XX/2023, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by UPSTART due to the response I received.

UPSTART is in violation of 15 U.S Code 1642 U.S.C 1681m and 12 cfr 1002 because I the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and received NO benefit. This proof of fraudulent activity ( unauthorized use of credit card ) on behalf of UPSTART
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

twenty two t housands dollars charged by a fake account holder who uses my name since   XXXX   XXXX   XXXX     and have all the documents that the fake account with a diffrent adresss and citi found that it is all fraudulent activities, they have not come clean or explained what happened. my name has been given to collecting agency with negligence and they are not willing to restore my identity.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
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 : XXXX XXXX ( XXXX removed once then put back on my report ) 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 an 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 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (AL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX should not be reporting to Equifax, XXXX and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-08-29
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: DISCOVER BANK (NY)

In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I signed a lease with XXXX for XXXX years making all the payments up to the pandemic. 
Then in XXXX XXXX XXXX XX/XX/XXXX, I missed a payment due to the pandemic, which hurt my finances. Then, in XXXX, I paid all the missing costs and got the account to a current balance. Then XX/XX/XXXX was the second covid emergency that I couldn't bear the XXXX payment on XXXX. I paid the XXXX payment with the XXXX payment and have never missed a payment since then. 
Several times, I asked my creditor to update my account payments due to the Care act of the emergency Covid, and I am still waiting for the results for more than a year.