davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (NC)

This complaint is in regards to our construction contract with Homeside Financial, LLC. We wanted to bring attention to some new discovery we uncovered ( from our original CFPB complaint # XXXX ) that involved some discreet internal maneuvers by Homeside Financial. After more extensive review of the banks documents, it appears at some point after the closing of our loan, Homeside Financial took it upon themselves to alter the construction line items in our contract! Unbeknownst to us, line items ( # 2, # 3 and # 4 ) of our contract were reconfigured on the Project Cost Report to the tune of {$66000.00}! We aren't sure why exactly this was done, but it appears it was in favor of a financial gain to our then, unscrupulous builder. That being said we were never informed of these particular changes to our construction worksheet or even authorized Homeside Financial to do them for that matter. No change orders or correspondence has ever been produced to support these changes to the agreement. 


To say this contributed to our insufficient construction project funds would be an understatement. Considering our then builder was given a construction deposit of {$110000.00} between us and Homeside Financial prior to the commencement of the project, we find it perplexing as to why they would disburse more money without our knowledge.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Escrow was raised this year in XXXX. It doubled my mortgage payment, in which I can not afford. I tried to get propetyy taxes roved from escrow due to the lender saying that is why it raised, in which they refused. I now see there has been a loan protection fee added to my escrow for over {$2000.00} so it raised because of that not property taxes and they refuse to remove it. I have had this loan for 15 years
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

XXXX and Equifax have refused to removed fraud inquiries from my credit report for 16 months. I have sent them information and so has XXXX XXXX to have them remove it on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amd they still have not removed it. They have also locked me out of my XXXX account and locked me out of my equifax account.
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (FL)

I have disputed inaccurate information on my credit report through Experian multiple times. Experian responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is XXXX XXXX from XXXX Illinois located on XXXX XXXX. XXXX XXXX claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to Experian I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.
Consumer complaint received 2023-06-03
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 2021-05-21
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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC (FL)

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and Loan Depot was paid. I have two letters stating such. My credit report states the mortgage was in my XXXX XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and XXXX. They investigated, I submitted the letters from Loan Depot stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in XXXX XXXX bankruptcy.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX  and Equifax are refusing to validate my dispute requests and this is a Violation of the FCRA ... I will go to the FTC if my disputes are not validated and deleted today. 

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : Why you think I owe the debt, and to whom I owe it, including name, address of creditor for the debt, the account number, and the amount owed. Provide the name and address of the original creditor & account number, and the amount owed at the time it was transferred. Provide verification and documentation such as a contract claiming that I am required to pay the debt to the current creditor. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor provide an itemization showing the dates and amount of each of them. If you fail to provide any of the information or documentation above, please say why. If you do not provide it, and do not explain why, I will understand that you are unable to confirm or document your claims. 

XXXX XXXX XXXX XX/XX/
Consumer complaint received 2023-06-03
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. (OH)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation (VA)

I had a loan through Bridge rest financial for a XXXX XXXX XXXX which I acuired in XXXX of XXXX. All of my payments until the last 30 days have been on time. I recently traded my vehicle in on a brand new one. Part of my financing included paying off the XXXX. I told Bridgecrest that the vehicle had been traded in and I no longer possesed the vehicle. They have been relentlesly hounding me with phone calls about their money. I've explained that the dealer would pay the vehicle off within 10 business days. This wasn't good enough for them and they continue to harass with phone calls on a daily basis! How do I make them stop calling?
Consumer complaint received 2023-05-03
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. (AL)

I contacted XXXX about an account that was opened without my knowledge. I even supplied information where I was incarcerated from XXXX XXXX  until XX/XX/XXXX in federal prison. The company closed the account but I see that the account is still reporting on my credit profile. I want the account removed from my account. The account appears to still be reporting despite my claims- I take that whoever opened the account in my name is still making payments or making purchases in my name. Please remove account completely. This is identity theft and its absurd the company still reports this account. It goes against my Fair Credit Reporting Act.
Consumer complaint received 2017-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.
Consumer complaint received 2023-01-17
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. (UT)

I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Consumer complaint received 2020-03-05
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. (CO)

XXXX and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2017-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (ME)

I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (WA)

My data, including SSN and addresses, was stolen as part of the major Equifax hack. In order to receive the free credit monitoring service through Equifax, they are requiring I waive the right to participate in a class action lawsuit. I do not wish to waive that right, so I am not able to receive any recompense for their improper security measures.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (SD)

disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX Company : Portfolio Recovery Systems Address : PRS XXXX XXXX XXXX XXXX Va XXXX Phone : XXXX Account XXXX Attention Credit Collection Company : To Whom It May Concern : On XX/XX/XXXX I discovered this debit on my credit Report. 
I have no knowledge of this debit. I had received letters from you regarding credit issues for two prior XXXX XXXX accounts XXXX XXXX As of XXXX The new debit reported to my credit, I had thought that this was from the prior accounts and disputed it. 
On receiving paperwork dated XXXX I have contacted your company and had spoken with the dispute department. 
( 1 ) I had validated my debits with XXXX XXXX accounts ending in XXXX and XXXX ( 2 ) XXXX XXXX will not allow me to originate a new card in any way shape or capacity while I have two charging off accounts.

( 3 ) The balance on card ending in XXXX and XXXX is the same as confirmed on your end. 
( 4 ) I had contacted your company for the payoff amounts for any and all accounts that may pertain to me when I had paid my previous debits and this account XXXX was obtained by you on XXXX, per your rep but did not post to my credit until XXXX ( 5 ) on XXXX I had spoken with a representative that assigned himself to my accounts and took valid payments to clear them, this third account was not mentioned nor was brought up. My address was valid in your system as you had sent me paperwork via the FCRA rules on the last debits but not this one. 
( 6 ) The account aforementioned XXXX was originated in a town 35 miles from my location and the transactions took place in that location. 



In accordance with the Rules of the FDCPA, I am requesting that : Immediately stop its collection activity due to two things The validity that this is my actual debit and that it may have been transposed from the original creditor, or within the company itself.

1. Again the address is not mine and had not been since XXXX 2. A. The debit was suddenly assigned to me XXXX XXXX had cleared all my accounts as they were sent to you and verified. Again XXXX XXXX will not issue another card when one is in bad standings B. The assignment of debit if it happened on XXXX to your company than it should have been made available for payment when I paid on my other debits on 03.27.21 C. Unsure of how the debit made it to one credit report and not the others, and it just started reporting on XXXX when it was in possession of the collection company for 2 months. 
Investigate the debit : I request a copy of the original debit origination paperwork signed by me. 
If you can verify the information, you have listed as accurate, please provide the name of the person supplying this data as well as the way it was provided in order that I may pursue remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX, Ny XXXX