davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (PA)

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information XXXX XX/XX/22.
Consumer complaint received 2022-11-01
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. (WI)

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, also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans / Rocket Mortgage made a promise to me that they only sell the servicing of jumbo mortgages, and they will service my loan for the life of the loan. ( Call their sales department and ask if they will sell the servicing of the loan, they still make that promise ). They lied and sold it anyways to " XXXX XXXX XXXX '' who refuses to take payment or even put someone on the phone without paying XXXX. The terms of my loan are not supposed to change. 

Adding a XXXX fee is changing my terms. Lying about never transferring the servicing of the loan is also unfair.
Consumer complaint received 2021-05-12
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. (GA)

THIS IS XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY. I AM ALSO USING THIS COMPLAINT, AND EVERYTIME YOU GUYS RESPOND BACK WITH A STALL TACTIC RESPONSE AS EVIDENCE IN MY LAWSUIT AGAINST YOU. I AM NOT GIVING YALL MY XXXX ID, PROOF OF ADDRESS OR ANYTHING EITHER BECAUSE I DIDNT GIVE YOU PERMISSION TO PUBLISH INFORMATION ABOUT ME IN THE FIRST PLACE. THIS IN ITSELF IS A VIOLATION OF UNITED STATES LAW 15 U.S. CODE 1681B. 

I HAVE FILED COMPLAINT XXXX AND COMPLAINT XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter in regards to inaccurate and unknown things on my XXXX credit report. These accounts are adversely affecting my credit report and ruining my chances of obtaining credit. You guys should know this is not a XXXX regular dispute either, I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my I do not recall any of these accounts. I need this problem fixed IMMEDIATELY. I will not wait another 60 plus days to receive no response because clearly yall arent doing your XXXX job. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you cause me. In 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 already been more than 60 days so they should be deleted XXXX immediately.
Consumer complaint received 2023-06-02
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. (VA)

XXXX XXXX XXXX XXXX should be removed immediately. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an XXXX XXXX XXXX account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

CitiFinancial/HomeDepot has incorrectly charged me late fees as well as negatively impacted my credit for 30 days late payment for a debt I was never informed of ( credit impact was XXXX 2021 ). I have tried repeatedly to get some assistance from CitiFinancial, calling several times and speaking to reps informing them I was never informed of a debt. I had the account reps review my contact information, which for some reason was completely wrong. They had mailing addresses that I don't reside in, phone numbers I do not own and an email address that does not belong to me. The reps informed me they would submit dispute to resolve and every time i called back it was not filed properly on their end. I escalated up to executive teams and they still did not resolve my issue stating the debt was valid. I am not disputing the debt, I have informed them time and time again that how was I to pay a debt they never informed me about not by email, mailing address or phone call. Can someone please help me with this case, I feel as my credit is wrongfully being impacted, as I have never been late with anyone ever, as my credit report will reflect and this has dropped my score down 60+ points a time when I am trying to refinance my home. The amount of the debt was {$100.00} which was paid in full at the time i called the first time, the only way i was informed of this debt was when my XXXX  account flagged me for late payment and showed the decrease in my credit score.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

I found a collections report on my credit report, date opened XX/XX/XXXXof balance amount of {$710.00} from Fidelity Creditors SVC. I made attempt to dispute it and was told of another company that claim to offer credit card processing service. Meanwhile, I did not receive any service from the credit cars processing company. 
This credit card processing company is a fraud trying to collect a debt that i do not own, i did not even get any service yet from them when i ask them to stop to process any account with them because i discover they were not going to offer everything i was asking for. This company did not give correct details of my question about the service so when i saw what they were trying to do i ask them to stop the process and they refuse claiming i have to pay some amount which i did not own. I never receive any equipment yet and i never even start to use the service at all. So this company reported to collection company and this report is causing a negative view of my credit report and i could not get any financial loan or credit because of debt that i do not owe.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OZK (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OZX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
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: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized inquiry, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is a continuation of my original complaint ID # XXXX submitted on XX/XX/XXXX. First of all ; my mortgage held by Bank of America isn't an actual mortgage it was originally an equity out interest only line of credit that matured after 10 years into a fully amortized first mortgage. I had already paid off my first mortgage with XXXX. In early XX/XX/XXXX Bank of America demanded Wind Storm insurance coverage in the amount of {$730000.00} that was approximately {$470000.00} over the amount owed on my mortage. They took my additional Fire and Casuality insurance coverage amount of {$730000.00} provided by XXXX XXXX. I ensured my home for the {$730000.00} amount last year because the price of building materials were moving up in XXXX and the cost of Fire and Casuality insurance was very cheap. When BofA wanted the {$730000.00} in coverage it was over the maximum allowable amount that XXXX 's would insure. Since XXXX XXXX XXXX was the only insurance company that would write a wind storm policy in XXXX Florida I had no choice but to reapply with XXXX at a lower insurable value. As a result, it consisted of furnishing a 4 Point Inspection, Wind Mitigation Report on my home and a 30 day grace period before the insurance went into effect. This is the reason for the lapse in my insurance coverage. My new Wind Storm policy coverage with XXXX is for {$580000.00} or the most recent replacment cost of my home. BofA insisting on {$730000.00} in coverage is the reason for my lapse in coverage which allowed BofA to gouge me of the unbelievable amount of {$9700.00} for Wind Storm coverage from XX/XX/XXXX through XX/XX/XXXX. Considering my nearly 25 years of being a BofA customer one would think that they could mitigate the {$9700.00} lower or eliminate it all together. After all, my Fire & Casuality insurance with XXXX XXXX never lapsed and their wasn't any mentiuon of requiring Wind Storm insurance in my original loan documents. I argued the fact that Wind Storm was never mentioned in my loan documents with BofA 's XXXX XXXX and she said it was under " Extended Coverage ''. I found no mention of " Extended Coverage '' in any of my loan documents.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (NY)

I feel there are literally zero standards required from equifax and XXXX, thus making them completely random and arbitrary, to the detriment of the typical consumer. Both claim to use the same standard, VantageScore 3.0, yet there are extreme differences between the two. I paid off a personal loan early, and got a positive increase with XXXX, and a negative drop from equifax. Equifax lags in their updates and theres no good reason or excuse for it. Nobody, Federal or State, seems to be policing these gangsters, and I demand to know why. If there is no standard, then theres a strong case to be made that nobody, lenders and creditors included, can rely on them, and they should be eliminated altogether. Perhaps we should be able to opt out of these half XXXX  services from collecting our information such that we refuse to allow our information to be shared with them, and lenders and creditors can ask for direct references instead, without penalty to the consumer. And too bad of they dont like it. They can either get their act together, or, they can go out of business. We dont need them as much as they need us, and personally, Im tired of is being the victims. DO YOUR XXXX JOB AND GET IT FIXED
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

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 2021-05-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (MD)

CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KSXXXX
Consumer complaint received 2024-03-26
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced