davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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 submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo refused to modify my mortgage after 20 years of payments when I had XXXX in equity and I was DUAL TRACKED, GIVEN IN EXCESS OF 45 different agents as special assistance lied to about date of foreclosure, charged excessive fees, refused to be allowed to pay additional on principal, and now refused assistance and compensation for wrongful foreclosure when I QUALIFY UNDER HAMP AND THE AGENT REFUSES TO ASSIST OR RESPOND. I lost my home, equity, my job, was hospitalized, AND Zit destroyed my life due to their lies. 

I WANT FULL COMPENSATION FOr LOSSES. I ALSO WANT COPIESVIF ALL RECORDS RELATED TO THIS MORTGAGE
Consumer complaint received 2023-04-04
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. (AL)

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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 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 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A. (FL)

I received a letter of demand for a payment of {$270.00} on behalf of an alleged creditor XXXX XXXX. XXXX XXXX has breached and refuses to answer or follow up with my investigation into this matter and a complaint has been filed with XXXX as a provider for breach of contract. I have paid XXXX services as agreed and have a contract with them regarding equipment that was installed in my residence. XXXX XXXX was a third party provider that did not honor the contract as agreed by XXXX. There should be no balance or money due! This is my final attempt at resolving this matter before civil litigation is pursued against XXXX XXXX and your lack of investigation for requesting proper documentation for any and all transfer of debt as required. I wait for your response in order to further resolve this matter.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (TN)

i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods
Consumer complaint received 2020-11-12
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: ALLY FINANCIAL INC. (DC)

I do not have any loans with the company and don't know why I have an inquire on all 3 Credit Reports XXXX, XXXX and XXXX ALLY FINANCIAL Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-31
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. (IL)

Subject : Complaint Regarding Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$48000.00} Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$620.00} I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I am writing to express my disappointment and frustration with the recent handling of my mortgage account with PennyMac. As a loyal customer, I expected better support during a challenging time, yet I find myself struggling due to unforeseen circumstances regarding my home expenses. 

Unfortunately, unexpected and uninsured house expenses happened, placing a significant strain on my finances in XX/XX/2024. These expenses were beyond my control and have made it difficult for me to meet my monthly mortgage payments in full which forced me to borrow money to avoid a late payment in my credit report. In light of these circumstances, I reached out to the company seeking assistance through a temporary loan modification to alleviate some of the financial burden temporarily. 

However, I was disheartened to learn that my request for a temporary loan modification was denied. Despite providing A LOT of documentation and explanations of the situation, I received no empathy or understanding from your representatives. This lack of assistance has left me feeling abandoned and unsupported during a time when I needed help the most. 

I urge them to reconsider my request for a temporary loan modification or explore other options that may be available to provide relief. I remain committed to fulfilling my obligations and restoring my account to good standing once I am able to overcome these unexpected challenges. 

I trust that you will review my situation with compassion and understanding, and I look forward to a prompt and positive resolution to this matter. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2023-07-31
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Consider this a follow-up complaint to ensure that one erroneous account must be investigated for its misleading report in my credit report. I have already sent a complaint previously and I am including this account again. Please verify this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (GA)

I live in Georgia and signed up with XXXX XXXX to install solar panels on my house in XXXX of 2022. On XXXX, XXXX XXXX sent a crew to install the system, and they said they be back to finish the installation as well as send the request for inspection and permission to operate. On XXXX, XXXX XXXX closed their doors and then filed for bankruptcy. Numerous attwmpts to contact them failed. 

I have contacted Goodleap about this several times, because XXXX XXXX triggered the loan payments to start even tho it wasnt even finished installing, and Goodleap has told me that yes, i owe the monthly payments. 

Ive contacted XXXX XXXX the manufacturer of the system, and they told me that i had to find an authorized company in my area to assume the work. There are none listed on their website as authorized dealers so i was told to XXXX solar companies. 

Ive contacted every solar company in my area, and none of them want any part of the system since its half installed and would need to be finished, inspected etc. 

So Goodleap wants me to pay {$34000.00} for a paperweight on my roof right now.
Consumer complaint received 2023-07-31
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX & XXXX XXXX  XXXX
Consumer complaint received 2023-07-31
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

Equifax employee doesn't know how they calculate scores. 
Can't tell me why there is such a massive discrepancy between credit scores provided by XXXX. 
Two representatives ( One a Supervisor ) stated they don't understand why or how my credit score is XXXX points XXXX  with their XXXX. 
I asked to be removed from their XXXX XXXX, as they are unable to provide accurate information. They told me this was not possible. 

Empl ID provided by the supervisor : XXXX
Consumer complaint received 2022-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NY)

At the completion of my lease with Hyundai Finance, on XX/XX/2020, I made numerous attempts to return the car to the dealership. Multiple telephones calls and a visit were made to the dealership which I learned was closed do to the COVID pandemic. Subsequently, telephone calls were made to Hyundai Finance and after numerous attempts over period of 30-60 days I was finally able to make contact with a representative that stated " the finance office was closed do to the COVID pandemic '' and that I should continue to try and get in touch with the dealer. I explained that the dealer was closed, that this was a significant hardship since I had to continue to keep the car insured and I was unable to lease a new car. I was told that there was nothing that Hyundai Finance could do and that the car had to be returned to the dealer that I leased the car from. Subsequently, Hyundai pickup the car from my residence and reported to the credit agencies that the care was repossessed.
Consumer complaint received 2023-02-28
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. (GA)

Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX I have attached a letter from XXXX XXXX  XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This is about XXXX XXXX trying to collect on a debt of {$630.00} that has been paid. XXXX XXXX is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/XXXX. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from XXXX XXXX and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to Capital one for XXXX was being collected by the law firm of XXXX XXXX XXXX  XXXX. I paid XXXX XXXX XXXX XXXX in full the {$400.00} I owed Capital one. The paid XXXX XXXX is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed XXXX  a copy of the paid in full letter from XXXX XXXX XXXX XXXX and XXXX XXXX stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX and Equifax received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. XXXX and Equifax have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both XXXX and Equifax regarding the removal and they have not updated my credit profile.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter multiple times to XXXX, XXXX, and Equifax. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.