davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2024-03-05
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. (OH)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB ).
Consumer complaint received 2022-09-08
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: Upstart Holdings, Inc. (TX)

I've sent several letters out to Upstart regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with Upstart Consumer Leading was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with Upstart. After almost eight months, of informing Upstart that this account is not mine and that someone used my identity to open this account. Upstart continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Lender charging fees for property registration. Currently my late father 's estate is in probate. His house had an outstanding mortgage balance of approximately {$41000.00}, and was just transferred into my name as the executor/ beneficiary in his will so it could be sold and payoff the mortgage balance.I had notified Carrington on XX/XX/XXXX of his death and have been communicating with them during the probate process. I had a buyer for the house within a week of advertising, with a closing date set for XX/XX/XXXX. I questioned the lender regarding fees on the payoff stated as " other unpaid expenses '' XXXX XXXX dollar. I was then told correctly by XXXX XXXX that the payoff had expired and I would be issued an updated one. Upon receiving the new statement, the other unpaid expense was now XXXX dollars. The breakdown of fees were as follows : Breakdown of Amount Owed : Unpaid Principal Balance : {$40000.00} Recording Cost : {$.00} Interest at 11.29200 % {$3000.00} Recon/Release Cost : {$.00} Principal & Interest Advance : {$.00} Other Unpaid Expenses1 : {$15000.00} Escrow Shortage : {$1100.00} Late Charges : {$.00} PMI/MI Premium Due : {$.00} Prepayment Penalty : {$.00} Escrow Credit : $ - .00 Deferred Pursuant to Loan Modification : {$.00} Suspense Balance : {$.00} TOTAL AMOUNT TO PAY LOAN IN FULL : {$60000.00} A further breakdown of the Other Unpaid Expenses were as follows : FEE EXP DATE DESCRIPTION FEE REM TYPE CODE ASSESSED AMOUNT BALANCE XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX FCL PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL SERVICE COSTS XXXX XXXX XXXX XXXX XX/XX/XXXX FILING FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION FEE XXXX XXXX TOTAL FEES DUE XXXX After this I would not sign the HUD for closing until the fees were fixed, as I thought it had to be a typo. As it stands, this was actually from the citys ordinance for vacant/foreclosed property charged to lenders. I spoke to the Deputy Director of Planning & Administration who confirmed this should not be charged back to the consumer. Carrington also knows upon selling the property, they can submit for a release of the bond which will be refunded to them, minus {$1000.00} for administrative fees. So in essence, they are charging me the {$10000.00} for the registration fee they paid to the city, and then will receive {$9000.00} of it back, netting a gain of {$9000.00}.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing in response to Bank of America, denying my request of open ended credit application. ( See attachment ). I am getting very tired of Bank of America denying my applications without any specific reason. Theyve expressed to gain a copy of my report from XXXX, which have no reason to deny as well, unable to verify my social security number? Theyve sent me mail to my residence, which is attached to my social security number, makes no sense. 

Bank of America is continuing to discriminate, and has violated the Federal Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program or good faith exercise of any rights under the Consumer Credit Protection Act. 

I have the full capacity to enter a binding contract and refuse to be mistreated with prejudice. I am seeking full compliance and remedy. I have attached my Drivers license and Passport as proof of identity. 

Without Prejudice XXXX XXXX XXXX XXXX All Rights Reserved.
Consumer complaint received 2023-05-23
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OK XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I opened a vehicle loan with Wells Fargo Dealer services. I paid my monthly payment on time as a agreed with no issues. I paid off the loan sooner than expected. For the last payment in XX/XX/XXXX, I made my payment through their online payment portal as per usual. I was unaware that I needed to call in and wire or mail in the payoff amount. They gave me a 30 and 60 day late. I reached out to them several times if they could take this off my  credit report but I got no answer in my favor.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (CT)

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. XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-11-16
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. (AR)

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2018-10-09
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: Clarity Services (TX)

I Received my credit report showing a inquiry from CLARITY SERVICES INC on  XX/XX/16 that I applied for a loan. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any loans and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2018-10-09
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: EQUIFAX, INC. (IL)

Two inquiries from XXXX, XXXX XXXX and XXXX, showed up on my Equifax credit report on XX/XX/XXXX18 and XX/XX/XXXX18, I have not requested credit from this company.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Good day, My wife, XXXX XXXX, just spoke with a representative named XXXX, and asked to speak to the supervisors of XXXX XXXX, our single point of contact - XXXX and XXXX ; she also requested ANY supervisor to speak with in regards to multiple questions we have had since the first of this year and have never received return calls with answers. She was informed by XXXX that the supervisors she reached out to advised HER to handle the situation with the phone call, therefore completely dismissing our need for assistance from a higher level employee of your company. This is beyond poor practice to dismiss a customers request for additional assistance! 

Dovenmuehle Mortgage , Inc., claims to have made multiple return calls- unfortunately, the company did NOT pay attention to emails, nor multiple conversations with a multitude of representatives of this company, since the first of XXXX, when it was stated by my wife, XXXX XXXX, that you must call back on the XXXX phone number or the XXXX phone numbers that were provided to this company, and that the company has on file, AND that you must leave a message as my wife is not often right beside either phone, due to the nature of her business. Dovenmuehle Mortgage , Inc., COMPLETELY ignored this directive, that was expressed to the company multiple times, therefore, the company has been calling a number that is a valid number, but does NOT receive voice mails. 

We have questions that need answers ; we need help ; we are trying to enter into a loss mitigation package with Dovenmuehle, so that we can stay in our home, and the company has not done anything to help us! The companys representatives were notified of what specific number to call back, yet nobody at the company utilized that information to assist us. Today, the representative, XXXX, actually went in the system to change the primary contact phone number- NOT ONCE in the last 9 months has ANYONE at your company bothered to do so! We did our part ; we gave Dovenmuehle the appropriate contact information, yet your company chose not to use it. This company did NOT do their part in assisting a customer who genuinely needs help and answers. 

Representative XXXX filed an official complaint within Dovenmuehle, on our behalf, and advised that someone would be reaching out to advise on that complaint. They have been given the appropriate numbers to return the call.
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Turner Acceptance Corp. (NY)

I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX  and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Dear XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft or fraud. 
Account : XXXXXXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. According to the FCRA the credit reporting agency has 4days to block a identity theft account. Please review ID theft report and FCRA guidelines sheet.
Consumer complaint received 2023-01-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am unsure as to which company this is but they left a detailed voice mail to a relative on XXXX at XXXXXXXX XXXX with court documents and court information and asked to be called back at XXXX claim # XXXX
Consumer complaint received 2022-11-21
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX