davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (GA)

I sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Consumer complaint received 2024-03-11
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. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

Our mortgage was transferred for servicing from XXXX XXXX  to RoundPoint Mortgage during during XXXX ( loan no : XXXX ). Our house is located in XXXX XXXX which went through a re-assessment of property values last year as well. 

Ever since the XXXX  transfer took place, our escrow account reflected a wrong upcoming property tax amount due ( the one prior to re-assessment ). The XXXX XXXX notified us in XXXX that the property tax bill ( due XX/XX/XXXX ) was still unpaid back in XXXX. After receiving the bill, we contacted XXXX to make sure they have the updated tax bill and to inquire when that would be paid. Their email contact does not provide any responses. As a result, we had to contact them via email and then again follow-up by phone. 

We were originally told by their Customer Rep that the bill will not be paid until it is 4 weeks before it starts accruing interest which would have been XX/XX/XXXX. After that date was past by more than a week, we contacted them again and were told that it will now be paid definitely sometime during the month of XXXX but they were unable to tell us when. 

Please note that as they do not respond to emails, we have had to use the helpline number which at times has over XXXX people in line ahead to wait to speak to a Customer Service Rep. 

They also went ahead and paid the property insurance on XX/XX/XXXX which wasn't due until XX/XX/XXXX before Property taxes ( 4 weeks ahead ). This caused a shortage in the Escrow which we already have paid to make sure there were still sufficient funds to pay the property taxes for this year, despite re-assessment. 

Their website updated our escrow account claiming to have paid our property tax bill on XX/XX/XXXX. It is now, however XX/XX/XXXX, our property tax bill still shows up unpaid on the XXXX XXXX website and will start accruing penalty interest starting XX/XX/XXXX. Repeated attempts to contact RoundPoint have been useless and we have never once received a response about why they are unable to process the payment in a timely fashion or even a straight answer as to when it will actually be paid. 

We would like Roundpoint to provide a receipt after they pay the bill to the county and also would like to understand why they are holding on to making the payments almost until they run the risk of being delinquent. Most companies we have worked with in the past have never waited until last minute to pay the property taxes. This has caused us numerous hours of our time wasted and contributed to enormous amount of XXXX  & stress all throughout the XXXX  XXXX  simply because RoundPoint is unable to perform their job in a satisfactory manner.
Consumer complaint received 2023-07-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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
Consumer complaint received 2022-12-13
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. (FL)

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

XXXX XXXX : # 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 2023-12-09
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: E-Backgroundchecks.com, Inc. (AZ)

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 and 6802, states I have the right to privacy, 15 USC 1681 Section 604, states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b I demanded under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry. 

This creditor did NOT provide me strict proof or DELETED the item immediately. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

This creditor didnt provide STRICT proof of authorization after 30 days, therefore they must delete this fraudulent inaccurate account, If you do not delete the account immediately I will I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.
Consumer complaint received 2022-12-13
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. (FL)

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

XXXX XXXX : # 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 2023-09-29
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. (TN)

I submitted FTC complaint about being an identity theft victim. Please remove these unauthorized inquiries from my credit report. 
EQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

I was logged in to my American Express account and was offered a second american express card, with a XXXX point bonus. 
I followed the application and received the card. 
When I did not receive my bonus I contacted AMEX who said that I forfeited the bonus during the sign up process. 
I met all other conditions of the offer. 
As I already have an existing account w AMEX they have all my info and have no reason to show me this offer if I wasnt eligible.

I already have an AMEX card I use heavily so my primary motivation for opening a 2nd card was only the promotion.

I requested w AMEX to file an internal complaint, they declined.

I requested to see the screen they claimed I was shown informing me the promo offer was revoked they did not share it.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

Recently, on or about XX/XX/2022, was guaranteed a loan modification by a staff member. 
XXXX of 2022, Sent in an appeal and never got a reply, as promised. Instead, got a notice of foreclosure. 
Numerous occasions, was assigned a Relationship Manager with a " supposedly '' direct phone number to this person, and every time, the phone was answered by a collection agent. I was told on XX/XX/2022, that when a customer requested to speak with the Relationship Manager, that the collection agent was not allowed to connect the customer with their Relationship Manager. 
Was told on multiple occasions that I was not to make a payment on my mortgage until the modification process was complete. This has been going on for over three years. 
Having to tell and retell my story over and over again, in excess of 50 times as they did not keep notes as to what my problem was and why I was calling.
Consumer complaint received 2023-05-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2022-12-13
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. (PA)

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 2022-11-03
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. (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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX, XXXX, and TransUnion credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I checked my credit reports with XXXX, XXXX and Equifax and notice multiple XXXX accounts, inquiries, and address on my credit file. I never applied for any XXXX  accounts and I Also never lived at those addresses. I attached a copy of my license, social security card and bank statement for proof of identity and address verification
Consumer complaint received 2024-01-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (NJ)

Today XXXX My mom came to communications with Williams & Fudge a collection agency XXXX XXXX had sold off due to me not being able to pay, Williams & Fudge said they had tried to contact me and failed to do so. I dont know if I recieved phone calls from them as I never got a voicemail stating it was them but I got an email regarding it on XXXX  and I called them on XX/XX/XXXX. Once in communications with my mom who was my cosigner in the original loan, they told her she needed to pay for it when she said she needed time and couldnt afford it they told her shes basically denying to pay when it is something she can not afford as well as asking her for her work information while already in contact with her and having it on file, after their phone call I decided to call them myself and I RECORDED THE ENTIRE CONVERSATION. My phonecall went downhill extremly qickly, I told them I couldnt afford to pay more than {$20.00} maybe {$50.00} a month and after being told we are here to help you I was told they wouldnt accept that on a XXXX XXXX I reitirated that I can pay that little monthly and if me making those monthly payments would be okay and then asked if i had family or friends to help me. proceeded to then tell me to ask my boyfriend for money and when i said if that was normal she told me yeah.Basically called me XXXX 'you got the education '' and At the end of the coversation she told me I had 48hrs to figure it out and I asked what happens if I cant and wouldnt tell me what.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The information XXXX  XXXX XXXX of {$1200.00} from XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached documents.
Consumer complaint received 2022-12-13
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}