davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (IN)

This was not sent in error. I am a consumer by law and my info was misused and I now have some false not XXXX XXXX accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX  Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
Consumer complaint received 2021-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

XXXX is the email used to submitt documents for relief for finaicial hardship this company claims they havent recived docuemtns in a timely fashion which is inaccurate. i will provide proof that is was sent timely AND this is the second time that this has happened to me and Mr cooper does NOTHING to remedy thier clerical process and records tracking and deny any RESPONSIBILITY after tremendous damage is done. 
point being when this happend XX/XX/XXXX which would have been my first complaint against this company they lost documents and i showed proof that it was submited ONTIME. so enclosed ill show two instances of negligence the prior misrepresentation of the emailed documents they claimed i didnt submit and this last one This happened XX/XX/XXXX ihade until the XX/XX/XXXX to supply documents on the XX/XX/XXXX i wsa denied becasue they said they havent recieved documents. 

WHEN I CHECKED MY ACCOUNT ONLINE THE DOCUMENT WAS SWITCHED initally it said XX/XX/XXXX the one i SAW had the same language but the date CHANGED to XX/XX/XXXX but this one said XX/XX/XXXX??? this was SWTICHED i swear im not going crazy this company is altering docuemtns to for ill intent. even still the doc was SENT TIMELY on the XX/XX/XXXX but as GOD as my witness it said the XX/XX/XXXX this needs to be investigated!!!!
Consumer complaint received 2023-01-06
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. (TX)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

Accounts 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 2023-06-23
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. (GA)

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (CA)

I was layed-off of my job XX/XX/XXXX and XXXX foreclosed on my first mortgage XX/XX/XXXX. I filed for Chapter XXXX BK on XXXX/XXXX/XXXX. 

The XXXX foreclosure was illegal, and had to be rescinded XX/XX/XXXX. About 3 years into the bankruptcy, my account was transferred to Seterus for servicing. I completed my Chapter XXXX BK plan and received my discharge on XX/XX/XXXX and the BK case was closed on XX/XX/XXXX. 

During the bankruptcy, all 60 mortgage/property tax payments were made on time and in full with Cashier 's Checks that were sent by priority mail with tracking. So I have documented that every single payment was sent and received in full and on time. Seterus agreed on XX/XX/XXXX that I was totally current in their Final Cure response. The BK Judge agreed that I was in full compliance and there should be no fees or late charges - and I got my discharge. 

Since the bankruptcy case, I have sent and documented and tracked all of the 22 payments I have made right up to XX/XX/XXXX. So, I have documented that the last 82 payments were made in full by Cashier 's Checks and received on time for my first mortgage - full contractual compliance. 

There can be no late charges or any other fees, and all I owe is the remaining principal. 

I am now selling my house, and I am in Escrow. I called and tried to get a payoff statement from Seterus, and they told me that they must review my bankruptcy file - and it could take as long as 6 months! 

Escrow is now talking to them, and twice Seterus said they would send the payoff statement to Escrow, but did not do it. For some reason, they are really dragging their feet, and this could obviously put my home sale in jeopardy and cause me great damage.
Consumer complaint received 2022-11-20
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: Bread Financial Holdings, Inc. (NV)

XX/XX/XXXX I disputed this account COMENITYCB/DAVIDSBRIDE Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from COMENITYCB/DAVIDSBRIDE stating if the CHARGE OFF was final or not. 

Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from COMENITYCB/DAVIDSBRIDE XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts. 

Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.

Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. 

I'm requesting monetary relief and deletion at this point, because I've tried all I could. 


I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by COMENITYCB/DAVIDSBRIDE nor XXXX XXXX. 

Tracking numbers : 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 2021-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

Paypal said they were reviewing me it would take 24 hrs ok then finally released my irs XXXX dol stimulas money then I tried putting it on my cars and it got denied now they said I was being reviewed again it's been days and still got my money in hold I've sent them my drivers license government documents proof of a address and still haven't gotten it I'm gon na be homeless no food my dogs are starving please help me!!!
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-11-15
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)

On XX/XX/2022 I mailed a dispute along with a copy of my I.D, proof of address and date of birth pertaining to account XXXX. This account is a COLLECTION ACCOUNT REPORTING OPEN. This is a violation of Metro 2 compliance standards. I have asked TransUnion to mail me a copy of this account showing compliance with Metro 2 reporting standards and this company continues to mock me. Transunion sent a notice " applauding '' my efforts to have this matter fixed. I sent a second correspondence on XXXX 2022 ( all letters will be attached ) and TransUnion responded with the same letter. If TransUnion is verifying information to be correct BEFORE publishing it on my credit report, where are there metro 2 compliance violations on my report. PLEASE AUDIT THIS COMPANY AND OFFICE. NO INFORMRATION TRANSUNION HAS ON MY FILE IS ACCURATE OR TRUE. PLEASE MAKE TRANSUNION SUBMIT METRO 2 COMPLIANCE VERIFICATIONS AND VERIFICATION FOR ALL NEGATIVES ITEMS ON MY CREDIT REPORT
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX. 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 16811 ( 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 fumish 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 2022-11-26
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. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with XXXX  and they removed it from my Experian credit report after receiving my identity theft affidavit but then they added back to my Experian credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my Experian as 90 days late. This is not account.
Consumer complaint received 2022-11-15
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. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 2024-03-29
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: EQUIFAX, INC. (NJ)

I discovered a number of unauthorized inquiries on my credit report XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXXXXXX XX/XX/2024
Consumer complaint received 2023-06-22
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent numerous letters to the bureaus XX/XX/2022 still nothing have been done, i do not know this company who is contacting me stating that i owe them money.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (MI)

RGS Financial , INC. illegally obtained my personal information and now they are stating that I owe a debt in the amount of {$2800.00}. RGS Financial , INC. did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g RGS Financial , INC. must comply with validation request. RGS Financial , INC. threatened to report invalidated information that I have requested them to validate. RGS Financial , INC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Im being discourage and discriminated from applying for a card on the bases of bogus reason. 
The law bars discrimination. 
This law protection means that a card issuer may not use any of the above grounds as a reason to do the following : discourage you from applying for a card.
Consumer complaint received 2021-01-07
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2022-11-15
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. 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. 

XXXX XXXX XXXX XXXX XXXX  XXXX 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 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