davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (CA)

I SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL XXXX REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW EXPERIAN VOILATED MY RIGHTS.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

On XX/XX/ I fully paid off my Rushmore Loan Management Services loan number XXXX a total payment of {$500000.00} plus, which was recorded as fully paid on or about XX/XX/ and as per the issuance of the Satisfaction of Mortgage document issued by Rushmore on or about XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas has NO interaction with credit bureaus ( EXPERIAN, XXXX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( EXPERIAN, XXXX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by EXPERIAN, XXXX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. EXPERIAN, XXXX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, EXPERIAN and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.
Consumer complaint received 2023-08-17
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Paid additional money through XX/XX/2019 to XX/XX/2019 to lower interest and payments on loan. Shellpoint Mortgage misappropriated funds, disbursed two surplus checks after XX/XX/2019 and XX/XX/2019, respectively, the second bounced, and now my escrow is not correct.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXXXXXX   Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, 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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-08-14
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. (FL)

In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXXXXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy. 
( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-14
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. (CA)

I am currently reviewing my Trans Union Credit Report and there is a fraudulent account reporting on my credit report that is not mine. This is my first time in years checking my credit report. 
Below is the fraudulent account that I would like to have permanently deleted from my Trans Union Credit Report : 1. XXXX XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Im on a covid 19 forberance since XX/XX/XXXX. My work hours were reduced then I got XXXX and was not able to work. I have been reaching out to Wells Fargo since XX/XX/XXXX to get into an agreement for payment. I was told I can do a loan modification but they are not helping me out. They keep asking for the same documents. No one calls back with a clear answer. They assumed I was married to my cosigner who is my sister in law without asking any clarification. I keep calling and every rep I talk to says something different every time. I asked to speak to a supervisor on XX/XX/XXXX. They said a supervisor will call me back within an hour and noone called me back. I called back XX/XX/XXXX and I was told I needed to speak to a high XXXX department but noone answers the phone. The rep said that dept might be closed and to call back the next day. I can't get help from them for 3 months now. I need to keep my home. Now I'm stuck with over XXXX balance that I can not pay at once. Wells Fargo is horrible.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following accounts : XXXX Account # XXXX XXXX Account # : XXXX American XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Are reporting to XXXX, TransUnion and XXXX when it is my understanding an reason to believe that because these debts were charged off that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C forms proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on these furnishers behalf and therefore is a violation of the FCRA by the furnishers to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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.

I demand that these accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Attached you will find copy B 's of each 1099-C from each furnisher, and the IRS publication proving 1099-C 's are discharged debts and therefor income and INCOME does not get reported on consumer credit reports.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I have been fighting with mr.cooper for almost 2 years over a mistake THEY ADMITTED they made. Without going into full detail Ill briefly describe what Im mean .. my mortgage has never been late Ive never missed a payment until XXXX. Mr.cooper graciously refunded me money and when I called and asked what was that for i was told it was an overpayment in my escrow account. Later to only find out they had not paid the full amount for my school tax that year in result wanting to raise my payment to make up the difference for their mistake. I refused and was told I could do a loan modification application which I did 12 times.. that is a whole complete ordeal in itself. Each time completing this application only to be told it was closed just outside of the so called 37 days the application was good for. I have proof I emailed and emailed all the correct documents MANY times only to be told I needed to do it again! My home is currently in foreclosure because of this disaster. All I want to to save my home.. I only owe XXXX $ and because of this I cant even borrow the money to just pay it off. I have done research and found the complaints and courts documents on this case against me.cooper and most everything in it they have or are doing to me. I forgot to mention as of XXXX XXXX mr.cooper sold my loan to XXXXXXXX XXXX now I have to deal with this all over again. Mr.cooper did not send all the information they already had like they said they would. Please please help me. I do not want to get rich I just want to save my home and get out mr.coopers clutches. 
Thank you
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (TN)

I submitted a dispute with XXXX concerning a public record ( XXXX XXXX XXXX XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. XXXX responded stating that this item was verified by the " XXXX '' ( XXXX XXXX XXXX XXXXXXXX, TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The XXXXXXXX XXXX XXXXXXXX of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( XXXX, XXXX, XXXX ). Meaning that XXXX either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. In a previous dispute with XXXX about the same issue. XXXX responded stating that they verified the information to be accurate through a third party company LCI Consumer Center but not the original creditor. In fact XXXX is not a third party company, it is a XXXX company and partner which is not properly verifying this public record. This invalidated information is be verified from XXXX. I have filed disputes with XXXX and XXXX to delete/remove this information and both companies has yet to respond.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax took my XXXX credit score and dropped it XXXX points when not a single thing changed. I asked them why and they refused to answer my questions. The other two reports have me reported so that I can move forward repairing my credit after a 2019 bankruptcy.

I have asked and asked and asked Equifax but they ignore my request each time. I have tried everything I can to find out why they dropped it so significantly but they absolutely will not answer nor talk to me on any level. 

They are also reporting that XXXX reported I missed a payment recently and that is a bald face lie. I have NOT missed any sort of payment on anything. 

Equifax is deceitful and reporting lies and refuses to answer my questions.
Consumer complaint received 2023-09-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

On approx. XX/XX/2023 I was approved for the Barclays 's Wyndham Earner Business card. It had promotional terms of spend {$1000.00} in 90 days to receive XXXX Wyndham  XXXX points. 

See here for screenshot from application page -- https : XXXX I spent above the necessary amount within 90 days as required. 

The Wyndham XXXX points never showed up. I inquired via secure message between XX/XX/XXXX and XX/XX/XXXX and was informed I was required to spend {$2000.00} contrary to the initial terms. I requested a call back from a supervisor. I was called on XX/XX/XXXX and told the same. 

I requested via telephone they provide XXXX Wyndham points per their {$1000.00} sign-up bonus terms and they refused stating they could not do this and that I was required to spend {$2000.00}. I requested a courtesy deposit of XXXX Wyndham points and they also refused. I stated I was going to contact to the CFPB and they did not seem care.
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

From XX/XX/2023 I have tried to do a short sale with Wells Fargo Bank. Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX and XXXX XXXX Firm says that I am in active litigation and Bankruptcy. This is incorrect and false. They are engaging in criminal fraud against my statutory right of redemption of my property. XXXX XXXX and XXXX has frozen my accounts at Wells Fargo preventing my settlement negotiations for my property. I have tried to call this law firm at ( XXXX ) since XX/XX/2023 and they do not answer the phone and I have also left a slew of voice messages and they have not called me back. 

This criminal fraudulent act is an attempt to prevent me from exercising my right of redemption. We are seeking the intervention of the CFPB and the Attorney Generals office to mitigate the affective and timely process of a short sale. Again, I am not in active ligation or active bankruptcy. ( see attached ) There is no legal reason why Wells Fargo is not accepting my short sale.
Consumer complaint received 2024-04-01
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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.