davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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: Convergent Resources, Inc. (OK)

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!
Consumer complaint received 2023-02-10
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts.

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XX/XX/2020 I was unable to obtain free credit report from Equifax. I was also unsuccessful in placing a credit freeze with Equifax, today, as well as over the past three years. Equifax wants me to mail copies of drivers license, social security card and other documents ; with no guarantee of safety or access. The two agents I spoke to today said they could not access my account. This is just Equifax runaround way of making it difficult to obtain the credit report or to place a freeze. 
Their website indicates my account and personal information was impacted in data breeches, yet they want to be in possession of my personal documents to subject them to future breeches. I had no problems obtaining credit reports, and freezing my credit with the other 2 agencies. Equifax said they can not help me and do not care if I contact you. I have tried to resolve this issue with Equifax for three years. By making it difficult to obtain personal credit reports, they increase the chances of identity theft.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CSO Financial (NV)

In XX/XX/2017 I helped my father move from XXXX  to XXXX XXXX XXXX. I stayed a short time to help him get settled and re- established then returned to XXXX XXXX . His landlord asked him to list persons in the home for IDENTIFICATION PURPOSES ONLY, so he listed me. As it turned out his landlady was a major slumlord. she refused to keep the property in livable condition. My dad rented the house sight unseen and hadn't met the landlord. This conflict resulted in an eviction as my dad refused to pay rent while repairs were ignored. The landlord apparently sold the judgement to CSO financial of XXXX XXXX  who put the judgement on my credit report. Ive been trying to buy a home and this erroneous entry on my report is a negative impact. Please make them remove this from my report. I was in no way party to the rental agreement.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have been contacting my mortgage company regarding my XX/XX/XXXX property taxes back since XX/XX/XXXX. Every time I call they tell me the issue has been escalated and that they will take care of it right away. As of today XX/XX/XXXX my XX/XX/XXXX property taxes have not been payed. I keep receiving calls from the Tax Assessors Office notifying me of this issue and I need help. 
They can not provide me with answers as to why my taxes have not been payed if I have not been delinquent on my mortgage payment ever.
Consumer complaint received 2024-02-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted capital one several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (CA)

I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.
Consumer complaint received 2024-01-03
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. (PA)

I XXXX XXXX am making this complaint without any third parties. Experian has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment
Consumer complaint received 2024-01-03
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. (IL)

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX
Consumer complaint received 2022-10-30
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. (MI)

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction
Consumer complaint received 2022-10-30
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. (TN)

DEAR EQUIFAX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND EQUIFAX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND EQUIFAX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

EXPERIAN is currently in violation of FCRA Compliance procedures [ 15. U.S.C. 1681e ] ( b ) reporting inaccurate personal information on my consumer credit report. I demand the following addresses be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN MUST ASSURE MAXIMUM POSSIBLE ACCURACY OF MY CONSUMER CREDIT FILE.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX XXXX i called midland and I simply advised them I had experienced a financial hardship and Im unable to pay due to being out of work for medical reason. I saw on their website they agree the cease all collections if you experience certain hardships. Ive also wrote this company and havent gotten any feedback and this collections is hurting my score. I would like for the collection to be DELETED FROM ALL 3 credit bureaus due to my hardship. The account number XXXX
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

Re : Notice of Intent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Act Violation Validation Letter sent to : XXXX XXXX To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX XXXX and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (WA)

I am going to need to provide some estimates since I do not have the bills that XXXX XXXX XXXX turned over to collections. In the summer of XXXX, I XXXX XXXX and I was taken to the XXXX XXXX XXXX room in XXXX, OR. After approximately two months, I received a notification requesting my insurance information. I receive my health insurance through the VA as I am a XXXX veteran. I contact the XXXX XXXX billing department and provided their billing agent all of my VA insurance information so they could bill the VA which would cover 100 % of the bill. Other people did hear this conversation. I was told that if they had any problems they would contact me. We received no further communications from XXXX. We received no mail, we have lived in the same home for over four years. We received no phones calls, I have had my phone number for a decade and my wife has had here phone number since XXXX. In checking our credit report we discovered that XXXX XXXX XXXX sent me to collections without any notice whatsoever, no bills, no letters, no phone call, nothing. I have never heard of such an unethical business practice.
Consumer complaint received 2021-12-06
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. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I have been attempting to contact my servicer about why there have been multiple changes to my escrow payments without notices being sent. I appreciate them making recalculations when necessary, but it would be good to at least get a heads up. I also wanted to let them know that I have updated my homeowners insurance and that while XXXX  will be sending them a bill for better and less expensive coverage beginning today ( XX/XX/XXXX ), that XXXX will be providing a credit for {$480.00} which I will forward to Roundpoint as soon as I receive it. Therefore, the overall premium will be going down from {$570.00} with XXXX to {$530.00} with XXXX ( with XXXX providing higher dwelling, loss of use, loss assessment coverage, etc. ) However, the " contact us '' portion of their website has been down so I am unable to communicate with them. The website also makes it relatively difficult to find out how to contact them another way. I have attached screenshots of the contact us page which just shows one dot followed by another row with two dots. I have tried going on this page through two different computers and a mobile phone and get the same error on all of them.
Consumer complaint received 2021-11-27
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. (NC)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan
Consumer complaint received 2021-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

I registered with my lender Homeloanserv with the special forbearance program in XX/XX/2021. In XX/XX/2021 the company reported my loan delinquent which I then contacted them and they reported to me by email that they would correct with the credit reporting agencies. I am required by them to do a monthly check-in which I do. They sent me another letter dated XX/XX/2021 stating they have been trying to contact me even though I called and spoke to one of their representatives on XX/XX/XXXX reported I still needed to continue my forbearance but they again reported my loan delinquent on XX/XX/XXXX.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (LA)

I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

1. Closed account XX/XX/2019. Cashed cashiers check XX/XX/2019 from Wells Fargo. I was forced to have a inhereded IRA with Wells Fargo. 

2. I continually receive emails on account. 

3. Wells Fiasco has 43 indictments. Number of data breaches. From a privacy standpoint I would like all data and info deleted from their computers of my association. 

4. Called 5 times. Talked to over 15 neophites and no one know how to delete account information.

5. Called MN state AG. Well Fiasco sent a form letter no resolution. Called complaint company and they did not return call. The tape said they would return call in 24 hours.

6. Do I have the right to have my data and information deleted under the privacy act? I'm concerned that the data can be breached and I will lose my identity. Doesn't the consumer have the right to have his data and information removed?

6. Solve the problem. Sending the complaint to WF will get no where. What authority do you have and what are my rights to have my information removed?

7. WF created false new accounts from consumers. Now WF is keeping closed accounts open.
Consumer complaint received 2021-11-02
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. (NC)

I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.