davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2021-07-12
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has once again sent me a letter stating that 2 items were verified as accurate. If you look atXX/XX/XXXXI just submitted a complaint and they responded they will look into it. TodayXX/XX/XXXXI received a letter back stating these accounts were verified. They sent me a letter and stated they verified the information through the courts which is not true. I sent a letter from the courts certified onXX/XX/XXXXand it stated they do not verify this type of information with the credit bureau to transunion. I called today and was told they received my document, but they have not removed these items from my report and then got disconnected after holding for 30 minutes and being out on hold. They not only have violated my FCRA they have also lied on the courts as well. The 2 items are Chapter XXXX bankruptcy XXXX and Chapter XXXX. How can they not remove these items which were confirmed not verified through the source. I have attached the documents below.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I am not liable for this debt with 12 SPEEDYCASH COM XXXX TX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.

Account No : XXXX
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (AZ)

PREVIOUS LOAN # XXXX NEW LOAN # XXXX I MADE MY REGULAR MORTGAGE PAYMENT ON XX/XX/2021 TO AMERICAN PACIFIC/WEB PAY. APPARENTLY AMERICAN PACIFIC SOLD THE LOAN SERVICING TO XXXX XXXX  AROUND THIS TIME. NOW MY PAYMENTS HAVE CHANGED TO PAYING XXXX XXXX  INSTEAD OF AMERICAN PACIFIC. I HAVE A BANK STATEMENT SHOWING TWO ONLINE PAYMENTS ON XX/XX/2021. ONE IS XXXX FOR THE MORTGAGE AND ANOTHER PAYMENT OF XXXX THAT SHOULD HAVE GONE TO THE PRICIPLE OF THE LOAN. I MADE MY PAYMENT FOR XXXX TO XXXX XXXX  AND THEY INFORMED ME THAT I WAS DELIQUENT ON MY XXXX PAYMENT THAT WAS NEVER FORWARDED TO THEM FROM AMERICAN PACIFIC. THE PAYMENT IN QUESTION CLEARED MY BANK ON XX/XX/2021 AND I HAVE THE STATEMENT TO PROVE IT. AMERICAN PACIFIC DID NOT FORWARD THE PAYMENT TO THE NEW LOAN SERVICER. SOME ONE IS ATTEMPTING TO STEAL A MONTHLY PAYMENT FORM ME.
Consumer complaint received 2021-07-12
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-07-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

I have in my possession a Deposit Certificate with an automatic renewal provision for {$10000.00} not including interest from Wells Fargo Bank ( WFB ) and they refuse to accept it. At first they said it was escheated to the State of California. I have since proved they did not. Now they say they have no records of the investment because the account was closed due to inactivity/dormancy. The document does NOT have a statement that it becomes invalid after a period of time but does have an Automatic Renewal Provision. Since the document has an item number that is 13 digits long and WFB is computerized, I find it a very weak argument that they can not find it. 
WFB took {$10000.00} and promised to give it back with interest upon demand. They are now saying they are going to keep it. This is wrong. 
There is a case number assigned and a reference number assigned. We have exchanged several e-mails but their stance appears to be that they do not keep old records so they refuse to honor the Deposit Certificate. 
Deposit Certificate Number : XXXX XXXX Number : XXXX Case ID : XXXX
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.
Consumer complaint received 2021-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

An Analysis Report dated XX/XX/2021 was sent to me from my mortgage company Shellpoint Mortgage Servicing. My monthly mortgage premium was {$4800.00}. As of XX/XX/2021, my premium was increased to {$5200.00}. Upon reaching out to the mortgage company they explained to me that there was a shortage of {$1700.00}, which they would spread out over a 12 months period, which would result in a increase of {$140.00}. Since XX/XX/2021, I tried to have someone explain why my payment was increase and currently my escrow is in the negative of over {$2000.00}. 

Thanking you Concerned Consumer
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

inquiries was not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON THE REPORT 2 TIMES XXXX XXXX XXXX XXXX XXXX ON THE REPORT 3TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON THE REPORT 3 TIMES XXXX XXXX XXXX XXXX ( ON THE REPORT 3TIMES XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting 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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-07-11
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: Abrahamsen Ratchford, P.C (PA)

RATCHFORD LAW CONTINUES TO VIOLATE MY CONSUMER RIGHTS AND I WILL BE SUEING THIS COMPANY. AS I STATED IN MY FIRST COMPLAINT, THIS COMPANY DID INDEED COME TO MY HOME WHICH I HAVE A RING CAMERA THAT HAS VIDEO FOOTAGE. I AM ALSO AWARE THAT A DEBT RATCHFORD LAW GROUP IS INDEED A DEBT COLLECTOR AND NOT LAWYERS WHICH IS FALSE REPRESENTATION WHICH IS A VIOLATION OF 15 US 1692E.

ALSO IF NO ONE FROM THIS OFFICE WAS AT MY RESIDENCE THAT MEANS, YOUR WORDS AND RESPONSE ARE NOT VALID AND YOU ARE GOING OFF OF ASSUMPTIONS WHICH IS INDEED A VIOLATION OF 15 US 1692G.

PAYMENTS WERE MADE TO THIS COMPNAY AND YOU CAN EITHER REPAY ME 2X OF WHAT WAS PAID OR YOU CAN CEASE COLLECTION AND REMOVE MY INFORMATION FROM YOUR DATABASE. THIS DEBT WAS NEVER VALIDATED FOR YOU TO EVEEN SERVE ME PAPERS OR TO EVEN COLLECT A DEBT WHICH IS ALSO A VIOLATION OF 15 US 1692G. I HAVE 30 DAYS TO DISPUTE A COLLECTION WHICH I WAS NOT GIVEN THE OPPORTUNITY TO. 

PLEASE FIND ATTACHED MY AFFIDAVIT OF TRUTH ATTACHED WHICH I AM THE CONSUMER AND ORIGINAL CREDITOR.
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau Services, Inc. (MT)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I had septic tank back up on XX/XX/2021. Which water was backing up through my bathtub and toilet. Which caused flooding in both my bathrooms hall way living room closet and all the carpets in my house. My insurance company after 4 months has issued me a check in the amount of {$13000.00} for the repairs, This one employee told me to over night them the check and they would sign it and mail it back for me to begin the repairs. But I'm having trouble with this one women in the loss department of Carrington. They are trying to make me have a nervous break down by fighting me not to mail back the check. She refuses to answer the phone and call me back. She is very nasty toward me and is being very unfair towards me. They want to keep the money for themselves and do what they please. It's my insurance money that I pay to my insurance through my mortgage payments. There is no true justice for us consumers never really has. I informed them when the problem first happen. Everybody is just trying to make me have a nervous break down.
Consumer complaint received 2023-05-28
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)

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 : XXXX, : 01 XXXXXXXX XXXX : XXXX, XXXX 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 2021-07-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MIDFIRST BANK (OK)

Midland Mortgage has violated several federal laws. 

*Fact, the Fair Debt Collection Practices Act 15 U.S. Code 1692h Multiple debts states *Fact, Midland Mortgage is failing to observe a law 15 USC 1692j - Furnishing certain deceptive forms. 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1692e ( 11 ) Fales or Misleading Representations *Fact, Affiant is aware and has proof in attachment labeled as exhibit C that this debt collector is failing to observe a law 15 U.S. Code S 1692d ( 2 ) - Harassment or abuse.

*Fact, Midland Mortgage is infringing on my rights of 15 USC 1692k.

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer Of a credit card or similar device SHALL NOT be listed on their consumer report. 

*Fact, Midland Mortgage is failing to observe law 15 USC 1681a ( 2 ) ( A ) ( l ) *Fact, Midland Mortgage is failing to observe a law 15 USC 1681b ( 2 ). 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681 ( 4 ).

*Fact, Affiant is aware of that Midland Mortgage is in violation of 15 USC 1681n exhibit D.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Synerprise Consulting Services, Inc. (TX)

I spoke to them and told them i paid off but they keep try to charge more and we had worked out a deal if i paid what i paid it would be closed but they are just greedy and keep wonting more and more and i told them every time they call they are paid off
Consumer complaint received 2021-07-11
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)

I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : 07 XXXX XXXX {$1500.00} XXXX XXXX XXXX  Original creditor : 11 XXXX XXXX  {$1500.00}
Consumer complaint received 2021-07-11
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. (TX)

I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. 

XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX creditor : 07 XXXXXXXX XXXX  {$1500.00} XXXX XXXX XXXX Original creditor : 11 XXXX XXXX  {$1500.00}
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I write to express my extreme dissatisfaction and distress upon uncovering severe inaccuracies during my recent investigation of my credit report. The unverifiable, invalidated, inaccurate, and questionable items discovered have not only caused severe XXXX but have also highlighted a blatant disregard for reporting accuracy by your agency. 

The Fair Credit Reporting Act explicitly demands 100 % accuracy in credit reporting. Unfortunately, the accounts under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) are in direct violation, as they fail to provide information that is 100 % accurate. 

I have attached copies of all previously sent letters to your agency, outlining these violations. This letter serves as an urgent demand for immediate action to rectify these inaccuracies and ensure compliance with the legal standards mandated by the Fair Credit Reporting Act. 

The emotional toll and severe impact on my well-being due to these discrepancies are unacceptable. I expect a swift and comprehensive resolution to this matter. Failure to address these issues promptly will force me to explore all available legal avenues to protect my rights as a consumer. 

I anticipate your urgent attention and a timely resolution to this matter.