davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX5 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2019-11-25
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: Resurgent Capital Services L.P. (NY)

I requested a validation of the debt from collection agency Resurgent Capital Services. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g.  XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-05-31
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: DISCOVER BANK (NY)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mr. Cooper failed to pay my insurance premium through escrow which caused my policy to be canceled in XX/XX/2022. This caused my insurance company to issue a new policy which is substantially higher than my previous policy. Mr. Cooper refuses to cover the difference although they admit to their mistake. Additionally, Mr. Cooper increased my mortgage payment nearly {$200.00}. I am also pursuing legal counsel with this issue.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My complaint concerns my mortgage servicer Select Portfolio Servicing. In the past I have had many accounting issues with this servicing company. I am currently many payments behind on my loan due to their modification process and subsequent denials.
I have recently been approved by Select Portfolio Servicing for a Repayment Plan.
The plan consists of 12 payments of {$2700.00} with a balloon payment of {$83000.00} after the 12 payments. My Concern yet again is with their accounting. I need to know before I make these payments where this money is going. I need the breakdown of what is going towards fees, what is going towards principle, and what is going towards interest. I need a break down also of the balloon payment. I need to know what I will owe after this plan is completed. What will the remainder of the mortgage be?, unfortunately if you do any kind of research online of this company you will see that they have some shady practices. I could refer you to many websites with hundreds of complaints all referring to the same problems I 've been having. XXXX XXXX XXXX XXXX I have many times tried to suggest to the that they work with me on a Priciple reduction so that I could have everything under one payment. That to me would make things much easier and affordable to me. I 've been struggling with this Servicer since XXXX 2013 when I first tried to get a modification. I refer you to how much money they got during the bailout of mortgage companies. XXXX XXXX XXXX I was never offered any kind of principle reduction and was lied to during the modification process leading me to fall far behind on my payments. I want to clear this up and retain my home but I also do n't want to be lied to or tricked out of money again. I need to know exactly how these payments are going to be processed even before I make the first payment. They are denying me this saying I need to make the first payment before they know. I do n't trust them.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-09
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. (GA)

I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, Experian, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

Spoke with XXXX the initial debt holder. Returned equipment and the bill was settled. Spoke with collection agency told them it was settled years ago. Contacted XXXX again and they informed me it was closed and would be removed from credit report. I contacted yhe collection agency and explained to them. Yhey said ot would be removed from my credit report. In addition, this is debt is from XXXX and is very old. I can not understand how they would try to recollect years later.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Re : Claim XXXX for account ending in XXXX I made a purchase online using my bank debit card, I never received the purchase and when I reached out to the merchant, they declined to issue me a refund or provide me with a valid tracking number. I disputed the transaction with my bank and was issued a temporary credit, after the bank concluded it's investigate, my claim was denied and the temporary credit was taken back. The documentation the bank provided me showed a discrepancy with the transaction and shipping dates provided by the merchant, I pointed this out to the bank and gave them the invalid tracking number the merchant provided. I also reached out to the merchant with this information and they accepted their mistakes and agreed to issue me a refund in 3-5 business days, I never received the refund and I reached back out to the merchant. I was told they could not process the refund because of the chargeback. I have supplied all this information to the bank and they continue to deny my claim. The merchant has clearly stated they owe me a refund, there is no reason why my claim should not be approved.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (TX)

I was taken advantage of due to malpractice. While several FederaXXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXXXXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 

The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MO)

I do not choose to share my u.s.a. ssn with consumer financial institutions and the institutions make a problem of it by requiring a number, by law only required to be shared to the u.s.a. ssa, before issuing a card with printed name. I need arrangements to have an account without using an u.s.a. ssn for a consumer finance tracking device.
Consumer complaint received 2023-10-17
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (MT)

This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not.
Consumer complaint received 2022-01-27
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. (TX)

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : XXXX XXXX
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

LoanCare XXXX XXXX XXXX ( XXXX  ) I have maintained insurance on my property and paid for the policy separately from my mortgage and escrow account. I have sent this information to LoanCare. LoanCare accepted my policy in XXXX. Then in XXXX they rejected this policy and on XX/XX/XXXX they charged me {$2400.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ). I protested this and on XX/XX/XXXX they accepted my policy and credited me for the {$2400.00} they had charged me back in XXXX. Then without any explanation on XX/XX/XXXX they once again charged me {$2400.00}. Then on XX/XX/XXXX LoanCare charged me {$2400.00} for the next years insurance. I continued to maintain and pay for my own policy. I continued to protest the placement of XXXX but without results. On XX/XX/XXXX LoanCare charged me for an additional year of XXXX at a cost of {$2400.00}. I once again I protested and provided the policy that I purchased separately and LoanCare once again rejected my policy. 
The policy that LoanCare purchased placed the value of the house at {$220000.00}. The XXXX XXXX XXXX values the building at {$3000.00}. I protested the improper valuation of the building for insurance purposes and talked with insurance experts who stated that even thought the insurance policy was purchased with a valuation of {$220000.00} if a claim was made the insurance company would not pay a claim for anything more than the actual value of the house or {$3000.00}. Essentially the purchasing of the XXXX for a {$220000.00} valuation was simply a fraud that increased the XXXX XXXX XXXX. I discussed this with the Insurance company, and they told me that they were not allowed to discuss this with me. I needed to discuss it with LoanCare because LoanCare was the insurance agent that placed the policy. LoanCare refused to discuss this with me. 
On XX/XX/XXXX LoanCare almost doubled my escrow payment from {$490.00} to {$930.00} to cover the cost of the XXXX. At this point I had been protesting the XXXX with no results from LoanCare for over 18 months and I was not getting anyone at LoanCare to respond to my complaints. So at that time I wrote to LoanCare to explain that I would not put insurance money into their escrow account. I made every effort to resolve this with them and they refused to communicate with me. On XX/XX/XXXX I reduced my payments to LoanCare to exclude the XXXX cost they charged me.
Consumer complaint received 2023-02-21
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IN)

XXXX XXXX alleges a debt of {$770.00}. 
My Current Balance as of XX/XX/XXXX is {$430.00}. 

Exeter Finance alleges a debt of {$11000.00}. FDCPA, FCRA, RISA, MVISA Violations. 

XXXX XXXXXXXX XXXX XXXX XXXX allege a debt over {$17000.00}. FDCPA, FCRA VIOLATIONS! Misleading, Character Assassination Failing to Credit Account when XXXX XXXX was an ABSENTEE PARENT in XXXX!
Consumer complaint received 2024-03-14
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)

I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (DE)

Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.