davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

I have repeatedly called and emailed Roundpoint Mortgage in order to have PMI removed from my loan. They keep telling me a XXXX will be scheduled ( picture taking session ) but then it never happens or they cancel the appointment for now reason. I have given them comparables and a list of upgrades to my house which is proof i shouldn't have to pay PMI. I originally started this process on XX/XX/2021 and have emailed them XXXX times and called twice since then. The emails do not get answered and the representatives tell me someone will contact me about the XXXX and it never happens.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (TX)

My account was closed XX/XX/XXXX. My refund was sent to them on XX/XX/XXXX and they now have my refund. It shows but I can not do anything with it. If the account is closed then why did you accept my refund and now are holding it?
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

All of cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX lending. these are all unauthorized inquires and the company refuses to remove them
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (FL)

on or before XXXX spoke to XXXX at the First Federal Credit Collection who advised me of the balance owed to the XXXX XXXX XXXX XXXXXXXX in the amount of {$720.00}, I advised XXXX to send me an itemized statement of this amount owed. I received an email that the {$720.00} was owed, not the itemized breakdown as originally requested. I then proceeded to pay {$200.00} to FFCC, and then another {$100.00}. So, the balance owed is {$420.00} - and the collection agency reported to credit agencies on XXXX before speaking with me that this is a derogatory account, stating collections in the amount of {$520.00}. According to Consumer Finance, the three reporting agencies were to remove medical collection agencies from credit reports. But, when collection agencies don't disclose its intended purpose or don't state it is a medical debt, consumer reporting companies tend to believe the reporting agencies, which makes it very difficult to remove this type of debt, which is factually stated as " medical '', not revolving creditor or installment credit such as a credit card agency/finance company, etc. But, again is a medical debt and should not be reported on my credit report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have not applied for a credit card recently and there was an inquiry done in my credit report. XXXX  and equifax low my credit score for an inquiry that was made under my information.
Consumer complaint received 2020-01-10
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. (AZ)

I have a major identity theft case I have filled a police report identity theft report and have hired a lawyer I havent gotten any help after disputing the item several times there are still inaccuracies reporting on my credit report XXXX XXXX credit card services opened XX/XX/XXXX fraud balance XXXX $ Account number : XXXX name on account : XXXX XXXX XXXX XXXX : XX/XX/XXXX this has affected my family in so many ways I just want justice for the person that did this deserves to be stopped and help accountable.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NJ)

on XX/XX/2018 Westlake Financial Services has fraudulently taken XXXX + plus from me. Upon reviewing my contracts, obligations and rights as a natural person ; I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named in Truth in Lending. I requested a wet signature binding myself and Westlake in a contract 15 us code 1692. I also sent certified mail the revocation of power of attorney .15 us code 1640 ( a ) double the finance charge for each violation.15 us code 1635 ( b ) not liable for any finance charge or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, and any property to the obligor, the obligor may retain possession of it.
Consumer complaint received 2023-02-12
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. (OK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (GA)

I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly.They have failed to respond and I ask that this debt be removed off my credit.
Consumer complaint received 2022-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

To Whom it Concerns : I have a Veteran Home Loan, which according to everything I been taught, read, and heard, does not have a pre-payment penalty. I spoke to employees of Cross Country Mortgage regarding a large amount of money I paid on the new home I just bought. I am pre-paying the principal ; a down payment, basically. 

In addition, I have paid a little bit of extra money on most months towards paying off this mortgage, which they haven't recalculated at any time before or after my phone call with them. 

I am told that there will be a re-calculation fee. I told them that I have a veteran administration loan and there shouldn't be any pre-payment fee. 

That there isn't a re-calucation fee for any pre payment or extra money I have paid towards this mortgage. I expect that any additional money I put down each money to be automatically accounted for and for my mortgage account to be re-calcuated anytime I pay extra money -- no matter how small the amount. 

I am concerned about this extra charge. Please address this concern for me. 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2020-03-04
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. (GA)

I have been trying to resolve this issue with credit agencies however they have refused to remove these account from my credit as it is in the FCRA : Any account reported as identity theft should be remove from consumer credit file, if you don't provide me with original contract with my signature in it these accounts can not be verified. In order to list these account you have to have original document with my signature in it. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2023-11-29
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The Foreclosure memorandum i California ended XX/XX/2021 Select Portfolio Services clearly didn't follow the Foreclosure memorandum by sending my account to a foreclosure lawyer on XX/XX/XXXX I tried to make a house payment and they took the last two I gave but they denied me access to my online account to make a online payment I also called and the woman I spoke to told me i could no longer make payment my mortgage has been sent to a lawyer his mortgage server should not be allowed to practice in California for not not following the mandated State rules. They are trying to steal my house while breaking the law by sending it my mortgage to a lawyer on XX/XX/2021 My HUD representative said they are not following the California Foreclosure memorandum nor trying to work with their customers who have been affected financially by the Covid epidemic My HUD councilor told me to tell them if they would be patient and wait for Covid mortgage relief assistance I told her I seriously doubt they want to help anyone I tried in good faith to make my house payment and they denied me WHAT DOES THAT TELL YOU???? THEY ALSO TOOK IT UPON THEMSELVES TO PURCHASE HOME INSURANCE WITHOUT EVEN ASKING ME IF I HAD MY OWN ALREADY THEY JUST WANT TO ADD MORE MONEY TO MY ACCCOUNT
Consumer complaint received 2024-02-23
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-16
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. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC (ND)

I received a loan from this lender on XX/XX/2021 for XXXX at a yearly interest rate of 773.47 %. I needed the loan to pay an urgent utility bill because my bank had held a check longer than expected. I intended to pay this loan back as soon as possible to avoid paying {$1500.00} over the full life of the loan. However, I am unable to contact this company to do this. I have sent two emails to the email address on their website and on the loan contract, XXXX, on XX/XX/2021 and XX/XX/2021 and both have come back as undeliverable. I have called both numbers on their website and on the loan contract, XXXX and XXXX, during the hours listed and I can not get through to a person. I have not received statements and there is no online account available to manage the loan. I have no idea what my payoff amount is and I have no way to make the payment.
Consumer complaint received 2020-01-10
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. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2023-05-24
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2021-09-07
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. (FL)

XXXX & XXXX XXXX has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to XXXX XXXX of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and XXXX XXXX has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.
Consumer complaint received 2023-05-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states that 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. In which I have not given my consent or instruction to do such.
Consumer complaint received 2020-01-03
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: ERC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.