davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXX. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
XXXX. Validate Account : XXXX XXXX XXXX. Account Number : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2023-02-08
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX XXXX Kay 's Jewelry has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for Capital one bank. I didn't make these requests and my information is compromised.

Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 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 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My mortgage provider Lakeview Loan Servicing LLC, has failed to pay the correct amount from my escrow for my XXXXXXXX XXXX. On XX/XX/2021 I called Lakeview Loan Servicing LLC and notified them that they had only paid {$0.00} in XXXXXXXX XXXX when the amount due was {$8700.00} if paid in XXXX. I was told that there was an error made and it would be resolved in XXXX  days XXXX XXXX XXXX ). I also emailed XXXX XXXX a scanned copy of my XXXX XXXXXXXX XXXX statement with the amount due. On XX/XX/XXXX I still did not see the payment posted so I called the provider again. This time I was told that they were going to start reviewing the error that day and not actually have it resolved that day. I was told by the company rep. on the phone that " these things take time '' and they would pay the amount for any delinquent fees. In XXXX the taxes had still not been paid but I received a Annual escrow account disclosure statement from XXXX XXXX stating surplus amount of {$6600.00} was being refunded to me largely since the projected amount for XXXX XXXX was {$6700.00} and actual amount paid was {$0.00}. I called XXXX again on XX/XX/XXXX in regards to why my XXXX XXXX had still not been paid and why I was receiving a refund. After speaking with a manager I was notified that my issue would be escalated and addressed within XXXX business days. On XX/XX/XXXX I contacted my XXXX XXXX office and verified that the amount had still not been paid. I contacted XXXX XXXX  on again on XX/XX/XXXX and spoke with a representative to get an update on my escalated issue. They stated that the escalated ticket had not been reviewed yet. However they also started an escalated ticket directly to their escrow team and should have the XXXX XXXX  paid in XXXX hours. At this point the payment would be multiple months delinquent.
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

During the summer, I was in the process of a loan modification with Carrington mortgage to bring my home in XXXX out of forbearance from XXXX relief. While in the process, the mortgage lender kept changing the documents they needed, who needed to sign, etc. They insisted I reach out to my abusive ex-husband and beg him to sign a quit claim deed because this had not been done upon the divorce and the judge 's orders from the divorce weren't " clear '' indicating that the house had been left to me during the dissolution of marriage. Throughout this traumatic, XXXXtriggering process, I did have to contact my ex-husband, who is now sending me threatening emails again. I also kept Carrington informed of every step I was taking in trying to get this man to sign the documents they had requested. I did eventually get the documents from him, sent them to the court an got everything filed and sorted. Still Carrington reported me as delinquent, which has absolutely decimated my family 's finances. Once creditors noticed the delinquency, they began to lower my credit allowances, thus raising my credit usage ratio and making me a " high risk '' for all borrowers now. Please note, I never did not pay when I was told to pay. I was told countless times to " wait '' because the paperwork was not legally correct yet. All I'm asking is for them to remove the delinquency as I was, in good faith, right in the middle of the process of a loan modification. I have dates of all the various phone calls, copies of emails from various employees about the issue and I just need this fixed already. I tried filing with the XXXX but they recommended filing here stating it was a CFPB issue
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am disputing 2 inquiries On XX/XX/2017 XXXX/EXPERIAN IDENTITY XXXX XXXX/EXPERIAN CREDIT WORKS I NEVER CONTACT THEM I FO NOT HAVE ANY IDEA WHO THIS IS! 
Please remove this from my credit Thank you XXXX XXXX
Consumer complaint received 2017-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

1.CHASE CHECKING XXXX VIOLATED CONTRACT WITH XXXX XXXX BY CHARGING {$68.00} FOR TWO {$34.00} OVERLIMIT FEES. 

; ; ; ; ; ; ; 2.CHASE CHARGED {$34.00} OVER LIMIT FEE FOR AN ACH CHARGE TO PAY XXXX A BILL PAY. THIS IS NOT PERMITTED UNDER CONTRACT. 
; ; ; ; ; ; ; ; ; ; ; 3.WHEN THERE IS NOT ENOUGH MONEY FOR CHASE CHECKING TO PAY A BILL PAY, FUNDING FAILED SHOULD APPEAR NOT A {$34.00} OVER LIMIT FEE. 
; ; ; ; ; ; ; ; ; ; ; ; 4. XXXX XXXX REQUIRES CHASE TO CREDIT BACK {$64.00} IN OVERLIMIT FEES IMMEDIATELY OR HE WILL SUE CHASE IN SMALL CLAIMS COURT. 
; ; ; ; ; ; ; ; ; ; ; ; ; ; ; 5.XXXX XXXX WANTS THE MONEY BACK RIGHT NOW AND PERMANENTLY NO MORE EXCUSES OR DELAYS. ACH IS NEVER A REASON TO CHARGE OVER LIMIT FEE AND CHASE KNOWS THIS. 
; ; ; ; ; ; ; ; ; ; ; 6. SECOND PROBLEM IS CHASE PROMISED FREE CREDIT SCORE, BUT, OF COURSE, AS TO BE EXPECTED WITH THE BANK THAT SCOUNDREL XXXX XXXX FOUNDED, I NEVER GOT THE CREDIT SCORE. CHASE DISCRIMINATES AGAINST USERS WHO DO NOT HAVE CELL PHONES.
; ; ; ; ; ; ; ; ; ; ; 7.GIVE ME THE {$64.00} BACK PERMANENTLY NOW AND GIVE ME MY CREDIT SCORE RIGHT NOW AND SEND YOUR ANSWER BY USPS POSTAL MAIL AS WELL AS BY ELECTRONIC. 
; ; ; ; ; ; ; ; ; 8.NO MORE EXCUSES FOR FAILING TO ABIDE BY CONTRACT WHICH CLEARLY STATES BILL PAY CAN NEVER BE THE REASON FOR CHARGING ME OVER THE LIMIT. CHASE WAS SUPPOSED TO PAY XXXX BY BILL PAY  BUT NEVER DID.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-01-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have several incorrect accounts on my credit file I have contracted them several times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/2022 I had a check from my PNC Bank Checking Account made out to the XXXX  Department of Revenue for {$7500.00} stolen from the blue mailbox outside the post office. They changed the " Pay to the order of '' line to XXXX XXXX and deposited fraudulently. They withdrew {$7500.00} from my checking account and when I found out I immediately filed a fraud claim with PNC Bank. PNC bank received my notarized fraud claim on XX/XX/2022. I have now waited well over XXXX  days and haven't heard anything from them. I have called them multiple times to find out the status and they have no updates and keep giving me the run around. I have also tried calling XXXX  XXXX XXXX, the bank of first deposit and they can't even look up my case with the Case Number given to me by the Police Detective who is investigating and has a XXXX  XXXX XXXX case number. The Detective said that it was an open and shut case and they have already identified the individual who did it and arrested them. I am going to testify against them. I need to get my {$7500.00} back but PNC Bank and XXXX  XXXX XXXX have been completely unresponsive and unhelpful. I honestly feel that they are trying to steal my money and hoping I will just go away. I hope you prosecute them so they change this fraudulent behavior. Thank you, XXXX
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (MA)

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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are 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. All is being investigated by the FTC HOMETAP Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.
Consumer complaint received 2022-03-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

I received a phone call from a XXXX XXXX. She was very rude on her message didn't state what company she was calling from. All she did was leave me a voicemail stating I was getting served through the county i live in. She also stated she was going to call my work and supervisor in reference to this claim. I am beyond upset due to the harassment this company did towards me. All she did was left me a call back number and a case number. I called the number tried to research the company and there was absolutely no listing for the number. 
When I called the number all they did was state there name but nothing about the company name. I asked what the company was and they stated it was securian that they serve paperwork for lawyers. When i spoke to the other representative she was very rude towards me stating they were going to serve me with legal paperwork and they where going to go to my place wherever i was at. That this was a debt from Check n Go from 2017. This company is very abusive and they threaten people without any feelings or what they will do to you. The only thing I have is a number XXXX.
Consumer complaint received 2016-03-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (GA)

Common Wealth Financial keeps contacting me about a debt that they say I owe. I have asked them for proof of the debt being mine. They keep telling me they have emailed me the proof and such. I have not received XXXX email from them. They keep calling my phone and when I answer they hang up, on a recent phone call they called me and I answered they wanted my SSN and date of birth which I do not give out to someone who calls me. I told them they have not shown me proof and the man on the phone said he has emailed me like 20 times and I told him he did not. He then said " this young lady on the phone is talking to me like she is my mother '' and ended the call.
Consumer complaint received 2023-02-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX ending in # 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
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Clearing House of America, Inc. (IN)

I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Consumer complaint received 2023-03-01
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: Freedom Mortgage Company (SC)

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, Freedom Mortgage reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with Freedom Mortgage on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

Freedom Mortgage removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from Freedom Mortgage stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by Freedom Mortgage.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (FL)

The TrueAccord Corp. is a debit collector being used to harass past customers of XXXX XXXX and XXXX XXXX XXXX. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency TrueAccord is now texting me and emailing me for no reason. I have informed TrueAccord I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX  receipt has been provided to them numerous times and this is getting ridiculous.