davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-02-03
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. (NY)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-05-26
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. (NC)

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 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 2017-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dobberstein Law Firm, LLC (WI)

Dobberstein Law XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Lawsuit filed against me and I had no idea about the debt. Dobberstein sent all information to the wrong attorney. I am represented by XXXX XXXX in XXXX, WI. Dobberstein sent any notices for collecting debt to XXXX XXXX, who is not my attorney. There is currently a court hearing for a judgment filed against me in XXXX XXXX. I was not aware of the case until I received junk mail from lawyers to be represented in court. They have violated my rights by sharing my debt information with someone other than me, my spouse, or my attorney.
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)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Universal Recovery Corporation (CA)

I am done with this company and trying to reason with them. The next correspondence they will be receiving will be from my Attorney and a subpoena to appear in court to explain why they had added three additional collection accounts that are showing as being in an active and open and collectable status with owed balances on my credit report and that they had all been submitted to the credit bureau last week. This makes it a violation of all bankruptcy and debt collection laws because this company has already been fully notified and completely aware of my Bankruptcy status and filing beforehand. Yet, they still made a conscious decision to report them even after being notified of my bankruptcy status. The Bankruptcy court is going to have a field day with you and hopefully make an example out of you for other collection companies like yours will think twice before willingly violating a direct court order and also violating an active STAY as well. I have nothing left to say about this to you and now you can give your line of XXXX  to the Federal courts and let 's see what they have to say about your delusional reasoning as to why you blatantly have decided to violate and disregard their orders and continuing to do so even after I have made you fully aware of the situation on three separate attempts. SO you can't go in and act like " you didn't know '' or that " you had no idea '' that I was in Bankruptcy and with an ongoing and active Stay as imposed by the court. By the way, I have included an excerpt of my credit reports for you to see for yourself. The first report dated XX/XX/2023 does not have the three additional collection accounts on it. The one dated XX/XX/2023 does have the three additional collection accounts on it. So somewhere between last month and this month you added three additional accounts with balances owed. You also did this after already knowing of my bankruptcy status and it was just recently done. How do you not see that you are in complete and blatant violation of the law by doing this after the fact? You will lose in court when it ends up there which is the very next step in my intentions with you. The proof is right there in black and white print attached to this complaint. See for yourself.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I bank with Chase, the XXXX XXXX XXXXXXXX had an error on the XX/XX/XXXX transactions scheduled for that day. Due to the manual error, information that was sent could not be processed and they said returns would be done. This is a direct deposit for my paycheck. XXXX and Chase have both been pointing fingers at each other saying the other has to fix the issues that remain. Chase says that XXXX has not resubmitted the payment file as needed and XXXX says that since it submitted it the first time, they don't NEED to do anything else because it's a bank processing error. Even though the XXXX XXXX XXXXXXXX says the originators have to resubmit it. In the meantime, I am being charged late fees and have no money for anything. It is now the XXXX of XXXX. They said this problem actually started on the XXXX of XXXX. Neither said will give me a timeline of when this issue will be resolved. They have sent no emails to any customers, not just myself in regard to this. Many people are in the negative and are being charged fees FROM THE BANKS because of THEIR ERRORS. They have not talked about compensation ; they have only said it's the other persons fault each time we try to talk to them. There are thousands, if not millions of people who have still not received their paychecks. They even closed over the weekend and pushed things off even though this is a crisis for many of us. I want compensation for this debacle.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I send out a dispute to XXXX, Experian and XXXX and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Consumer complaint received 2023-05-26
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)

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of accounts for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and remove the following accounts : XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00}
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZuntaFi Corp (MA)

I would like Zuntafi, which appears to be a student loan service provider, to stop contacting me. It seems that they are using an internet white page directory of people with similar names and are arbitrarily calling phone numbers of the corresponding similar names at random. I do not know anyone of any of the many names they asked me if I was, and I dont know how to get them to stop calling me. Its really creepy. I have no student loans or any other debt for that matters.
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Please help! We now have a foreclosure date of XX/XX/XXXX!! Carrington Mortgage continues to stonewall even after my CFPB complaint ( XXXX ) filed on XX/XX/XXXX which has not been answered ( attached ). Please consult that complaint for details I will not repeat them here. I STILL have not been assigned a single point of contact which is in violation of both federal and Colorado state laws! What is the consequence, if any, for not assigning a single point of contact? Laws are pointless unless there is an enforceable consequence. If I call Carrington myself all I can reach are an assortment of front line of people who have historically consistently given me misinformation. I have submitted countless loss mitt packages ( relatively recent example attached ). I am seeking a single point of contact and modification of an existing VA loan ; I have a POA to negotiate said loan ( attached ) ; I qualify for over half a mil in a mortgage, see prequal letter attached, we owe just over $ XXXX on this home ; I have a active home owners insurance policy ( attached ). Why can't I get a single point of contact to get this done?!!!! Carrington keeps dragging this out. It has been over a month since my CFPB complaint with no resolution or attempts at same. Please help. This is not rocket science!!! Laws are being broken and a family is continuing to be put through needless emotional hardship by the behavior of Carrington Mortgage following on the behavior and ethics violation by Carrington 's predecessor in servicing this loan, XXXX. Additionally there are rules for servicing of VA loans. See VA servicers loss mitt handbook chaps 5 & 6 attached.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo repossed my car for 2 missed payments last year and one this year after accepting a payment this entire year since XXXX. When I tried to get car back they charged me {$2100.00} in what they called late fees since 2017. They said that since the loans inception I have been late. But I was never told about owing late fees at any time. Car payments are {$580.00}. 3 missed payments is {$1700.00}. I had to pay {$4300.00} to get my car back.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (RI)

QUICKEN LOANS IS KNOWN FOR FRAUD AND FORGING DOCUMENTS. DOJ has sued them several times for some of the same things they did to me. I tried canceling the mortgage for the first 3 days by calling, emailing and overnight USPS all ignored by company. Then they sent the check to my brother instead of me. They refused to allow me to consult an attorney. They also altered the closing documents. They committed fraud and forgery. They lied on the closing documents claiming they paid off my HELOC but never did but included it in my mortgage and the HELOC Bank sued me
Consumer complaint received 2024-03-04
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. (FL)

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-21
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)

CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed Transunion, XXXX, and XXXX that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and Transunion, XXXX, and XXXX has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Consumer complaint received 2023-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (WY)

In regards to Complaint XXXX, Express Recovery states that they sent a deletion request, however, both are marked " Draft '' clearly and the item is showing on my credit report. Express Recovery has had multiple opportunities to solve this issue, but has continued to not follow through or have the item removed. This shows complete disregard to the law and their promise that it was going to be removed. I have again, attached the original complaint and the " Draft '' request from Express. This item needs deleted today and compensation given to me for their violation and cost of me not being able to obtain credit because of their not getting the item removed as promised and in a timely manner. 
A " draft '' is not a removal, nor is that sufficient proof that it has been removed. This companies legal counsel needs to take immediate action.
Consumer complaint received 2022-12-21
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (SC)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It hasbeen more than XXXX XXXX since I originally wrote them.