davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

Equifax : Equifax out of all the 3 major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again Equifax is guilty of the same thing XXXX does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

I have attempted to contact diversified consultants in regards to verification of debt that state that I owe in the amount of XXXX for a XXXX  bill that was apparently open under my name XX/XX/2018. I have not received any bill or original documents stating that this account is mine after several requests. I have not owned a XXXX account and would like for this account investigated and deleted.
Consumer complaint received 2020-01-13
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. (FL)

My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (WI)

EMERGENCY TAKING MY PROPERTYXXXX XXXX SHERIFF! The title was based off a forgery, plain s day. She fled the country, after getting paid {$5000.00} from XXXX XXXX ALL the others fled too. It's my home, land that I PAID TOWARDS FOR 44 YEARS!!!!!!!!! ON A VERY LOW SECRETARY Salary BOUGHT THE LAND IN XXXX IN MY SINGLE NAMEE?!!! AS. SINGE PERSON WITH CHILD FROM A XXXX! TOLD DAD TO GO AWAY AND HE DID. NO CHILD SUPPORT NO STATE Support BACK THEN. I DIDNT ASK FOR IT.!! THE.N THE SAME GUY THAT RECENTLY STOLE MY HOME WITH FORGER FROM HIS WORK, STOLE THE STATES CATCHUP CHILD SUPORT FROM THE OTHER GUYS XXXX!! I BUILT TWO HOMES ON MY LAND, BY THEN I HAD A STRONG BUSINESS.. HE ARSONED MY FIRST VERY VERY SPECIAL ONE, ( HE MADE HUGE FRAUD DEAL WITH MY SINGLE NAME MORTGAGE BANK!! TO HARM ME! THE BaNK WAS ALSO MY 1099 EMPLOYER!!

They re RIGHT NOW FINISHING STEALING MY HOME. THE DEAL HE MADE WAS TO PRETEND I OWED THEM MONEY ( I PROVED 7 TIMES OVER I DIDNT ). BUT THT COMPANY NEEDED TO DO THAT TO ME TO STEAL XXXX!! SEE XXXX  historic chart! See huge hump in volume! That's the tax fraud!!! SEE CASE XXXX XXXX they pretended it was a mistake, but it wasn't, BUT THEY dismissed it WITHOUT PREJUDICE!! SO TOOK IT OFF ON THEIR TAXES GIVING THEM {$6.00} BILLION IN TAX ASSET!!!! WORSE FOR ME IS THEY COULD COME BACK AND CHARGE ME WITH THE {$14.00} BILLION!! LOOK AT LONG Term CHART OF XXXX  YOU WILL SEE THE VOLUME HUGE HumP. THATS ME! FROM my tiny good business Iin the country they stole. I LIVED & WORKED IN THE COUNTRY FOR 36 YEARS!!! THEY STOLE both my Hnew homes that I paid for! They stole THROUGH FORGERY, PAID OFF TITLE PEOPLE. XXXX XXXX AND THE XXXX XXXX BOTH CLOSED RIGHT AFTER THEIR FRAUDS!!!! So ALL 9 FLED RIGHT aWAY, at least one out of the country! BUT SOME CAME BACK!! HE TRIED XXXX ME A DOZEN TIMES! AFTER HE DID THIS!? ALSO IS XXXX CAR TRUCK CIRCLING, XXXX ME, trying to it me in a vulnerable position. Everyone is afraid of him, he is a monster. AND MY LIFE IS IN DANGER. ALSO TRIED TO PRETEND I DID FORGERY ( LIE ) TO COVER UP HIS FORGERY! HE PAID OFF COPS ETC. HE THE MORTGAGE COMPANY CLOSER FLED THE STATE TO INDIANA, SHE DID NOT COME BACK BUT I KNOW WHERE SHE IS IF YOU CAN Arrest HER TOO.. THE TITLE BASED ON PLAIN A S DAY FORGERY, PROFESSIONAL FORGER DONE AOT, XXXX XXXX, BUT SHE PRACTICED MY XXXX Signature ON. XXXX DEED! AND MY NEW LICENSE SIGNATURE WAS THE DAY BEFORE! SO CAN COMPARE AND SEE ( I CHANGE MY SIGNATURE PERIODICALLY NOW BUT ITS Clear AS DAY FORGERY MORE STARKLY NOW. I have tons of evidence. Help!
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REISENFELD & ASSOCIATES LPA, LLC (IN)

My home went through foreclosure with XXXX XXXX XXXX on XXXX. The law firm that handled the foreclosure was Reisenfeld and Associates in XXXX, OH. The judgment amount entered on the defaulted mortgage was {$290000.00} ( attached ). The property was sold at auction on XXXX for {$340000.00}. This left a surplus of {$54000.00}, of which I am entitled to. Reisenfeld and Associates issued a demand for {$320000.00}, with no accounting to support the {$35000.00} increase. They issued the demand direct to the XXXX XXXX XXXX and they were paid the {$320000.00} direct. They have ignored my inquiries and calls regarding this issue. I have collected the {$18000.00} left over with the help of my attorney. I am seeking help recovering the {$35000.00} of equity the was wrongly stripped away by Reisenfeld and Asssociates. They violated HUD loan servicing law and have fraudulently distorted the the accounting on my loan.
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My mortgage account was switched from Huntington Bank to Huntington Bank back in about XXXX. When it was switched they stopped my automatic withdrawal so I had to go into the bank and start it back. Then about a month later I received a notice from the city of XXXX that I was delinquent on my taxes. I tried going to the back and no one would help I called several times over the phone finally they said they would fix it and said I was not responsible for the late fees. Then I checked on the delinquent taxes and they did charge me for the late fees. ( I have an escrow account ) Also it was stated they had not received any tax bills and the city of XXXX sends them out when they are due.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

PAID DEBT TO XXXX XXXX XXXX PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS. 
IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

CAPITAL ONE ACCOUNT # XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This act not only violates the FCRA but also infringes upon my fundamental right to control the dissemination of my personal information. Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ), it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency. Portfolio Recovery Associates. Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the above collection agency failed to provide me with an explanation of how I can exercise my right to nondisclosure. This collection agency has no contractual agreement with me about any debt that I owe them ; when asked to provide, they can not, and they have violated my rights as a consumer again!
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I recently refinanced my home loan, the purpose was to escrow my insurance and taxes. Later I found out that was not done, I even asked the notary before my signing. I believe I was deceived and taken advance of because of my age. My payment is higher and my taxes and insurance was not set in an escrow. The company paid the first year of taxes and insurance but told me I would have to pay them back.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

Received an alert from credit reporting agency apparently this company by the name of Jefferson Capital System reported information to my credit report without notifying me to give me a chance to dispute this debt, that is a violation of my rights as a consumer you just can't report something on a credit report without first notifying the consumer and validating this said debt. I want this removed from all credit reports ASAP.
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

PAID DEBT TO PORTFOLIO RECOVERY SERVICES PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS.

IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2020-01-13
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. (IL)

However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Consumer complaint received 2022-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. 

I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes?

2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes?

3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes?

4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 
5. The company 's two notices of adverse action are contradictory, confusing, and capricious. 

I believe that I was discriminated against due to my XXXX XXXX  status, in addition to having income based on government benefits and XXXX. 

I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! 

Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!!
Consumer complaint received 2022-12-27
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. (NY)

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

To whom it may concern, I'm writing regarding two accounts that Portfolio Recovery has reported on my credit report which is not in accordance with the fair credit reporting act. The information is not 100 % accurate. I also spoke with XXXX XXXX of the Kansas office operator number XXXX, and XXXX XXXX of the Kansas office, both did not produce the requested information. I asked for a copy of the original agreement show my signature or driver license they both refused. Then I spoke with XXXX XXXX who stated he was the operations manager, and the highest available person. I explained to XXXX the XXXX that Portfolio Recovery is using is not for public use, and that it belong to my trust. I also offered to share with XXXX my federally recognized documents naming me as one of the owners of that TIN number and trust. I would like the CFPB to have them delete the slanderous comments from my credit report on all three credit bureaus.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditech Loan was paid off on XX/XX/XXXX I forgot to cancel automatic payments and accidentally sent another payment of XXXX on XX/XX/XXXX after payoff was received. 
I never received this overpayment back and contacted Ditech by phone on XX/XX/XXXX. 
I informed them I would be out of the country and to please send reimbursement electronically to my bank and suppled all requested documentation via fax. 
As of XX/XX/XXXX I still had not received my reimbursement and called Ditech again. I was told it had been processed on XX/XX/XXXX. I was told it would be re-processed as soon as I re-sent all previous documentation as well as my bank statement to prove I had not received it. I faxed this immediately. 
As of XX/XX/XXXX I had still not received anything so I contacted Ditech again. I was told this time that a paper check had been mailed on XX/XX/XXXX. I informed them that this was not helpful as I need it sent to my bank directly since I am not in the country and this would be the third time I supplied them with the account and routing numbers and why didn't the previous rep tell me that? 
At this point Ditech has withheld MY money for 45 days. This is grossly unfair and I can not help but wonder what would happen if I was dependent on that money for basic needs? 
Does this not amount to theft when a company is keeping your own money from you? They are also placing an unnecessary burden on the consumer as I must continue to supply evidence and fax and call to get my own money back. 
I was actually initially told on XX/XX/XXXX to call back in 7-10 days to find out the status! When I complained that this seemed unreasonable and asked to speak to a supervisor I was told they were not available but then told it would be processed in 3-5 business days.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (IL)

Attn CFO : XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Swiss Colony AccountXXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
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: Experian Information Solutions Inc. (KY)

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for experian that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Consumer complaint received 2020-01-13
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. (CA)

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I  was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.