davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I am registering this complaint against Ditech LLC. We had a loan with this company which was paid off on XXXX/XXXX/2016. They sent a check for the escrow funds they were holding in trust. However, the check was payable to myself and my husband who had passed away. I contacted them regarding this matter on XXXX/XXXX/2016 ; and was advised to return the check and send an original certified copy of his death certificate to the address in XXXX XXXX, Minnesota attention loan servicing - escrow. The check and the document was sent on XXXX/XXXX/2016 by USPS priority mail which was received by them on XXXX/XXXX/2016. On XXXX/XXXX/2016 I contacted by phone and the customer service representative stated the check and document had been received and to call back in 7 days. I contacted their office again on XXXX/XXXX/16 and was told I needed a probate affidavit ; asked why did they not tell me that in the last XXXX calls. On XXXX/XXXX/2016 I sent an " affidavit for collection of personal property under California probate code XXXX '' which was notarized along with a cover letter via USPS priority mail. The items were received XXXX/XXXX/2016 at the same XXXX XXXX Minnesota address. I have since contacted their customer service representatives and supervisors in Texas and South Dakota to no avail. On XXXX/XXXX/2016 I spoke with a customer service representative in South Dakota who referred me a director XXXX XXXX who requested I send an email with attachments of the documents ; which I did and a cover letter requesting she contact me and advise she did receive the email and documents. I have attempted to reach her on her private line and all I ever get is her voice mail. On XXXX/XXXX/2016 I contacted the Customer service department again and the customer service lead stated she would have XXXX call me back on Monday XXXX/XXXX/2016. This never happened. I have called the direct line several times since only to get her voice mail. I did notify her on the last XXXX messages that I would be contacting the " CFPB '' to report this situation. This company lacks in customer service skills, follow thru and follow up. I want my escrow monies ; I paid them in good faith and followed their instructions. I have asked on numerous occasions if they needed anything else from me and no one has said a word.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have tried to have XXXX credit agencies to report accurate information over the last 4 to 5 times. I have sent in formation to show that they aren't reporting accurate information. They explain to me that they either didn't not receive my information or the following account came back verified. The information I sent was by mail, online, and by phone. I request the following information to be deleted due to the inaccuracy of reporting with a copy of the original document from the original source. I have gotten hung up on for trying to have them report my information correctly. I have sent several document to both credit agencies to have these things updated or delete several accounts. 

Both of these credit agencies have violated section 15 USC 1681b, and the right to fair credit reporting by respectfully verify with accuracy and investigate with the creditor.

I respectfully requested to be provided proof of the alleged item, specifically the contract, note or other instrument bearing my signature I have requested even for permissible purpose or proof that I applied or initiated these inquiries and as well remove the following inquiries that didn't have my permission, plus I gave them the list of following inquiries They continue to report the many negative things on my credit with no validation, without my acknowledgement and consent
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.
Consumer complaint received 2017-01-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Furniture ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to XXXX so that XXXX could determine if a refund was valid XXXX supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, XXXX will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other XXXX clients about XXXX on-line.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is in reference to refusing to cancel my service. In XX/XX/2021 I cancelled my service due to over debting my checking account on several occasions. I have spoke with several people starting with the XXXX name XXXX out of XXXX, XXXX  that sold me the system. XXXX employees are committing fraud and trying to extort money from me. I believe a woman by the name XXXX XXXX, XXXX, XXXX friends and family that work for XXXX and is behind this. These are people called XXXX XXXX XXXX Please see attachments. 
I do not owe XXXX any money and would like to request for the XXXX time to please stop sending me bills and cancel this service. I would appreciate your immediate attention. I can be reached at ( XXXX ) XXXX. 

Thank you,
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY.The following accounts reporting to my consumer report is a violation of my privacy. REMOVE THE ACCOUNTS LISTED BELOW XXXX bank account was closed as of XXXX but is showing on my consumer report as 30 days late in XXXX XXXX 60 days late in XXXX XXXX  60 days late again in XXXX and 90 days late in XXXX of XXXX. How can an account be 60 days late twice. I demand that This is inaccurately reported account be deleted. The reporting of late payments during COVID 19 as per the CARES ACT is also a violation **documents attacthed** -XXXX XXXX XXXX account XXXX XXXX was removed from XXXX and XXXX due to the account being inaccurate. Remove this account -Us Department of Edu accounXXXX XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Education account XXXX XXXX XXXXUs Department of Edu account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-04-22
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. (FL)

Multiple Complaints, Disputes and Reference numbers dating over 15 months of trying to resolve. 

Here 's proof EQUIFAX MALICIOUSLY REFUSES TO REPORT ALL INFORMATION AS REPORTED BY THE CREDITORS. AND KNOWINGLY ( because they have been informed over 8 times ) THEY REPORT HARMFULLY- KNOWING IT HURTS THE PERSONS CREDIT FILE. 

SEE ATTACHED FOR EVIDENCE. 

This is one of many accounts on my credit file with EQUIFAX, that continues to report with empty information/ghost placeholder values/incomplete information. Please see the attached photo, which shows a snapshot of XXXX of my accounts, notice that EQUIFAX has no 2-year reporting history for this account, despite XXXX payments being reported to all XXXX major credit bureaus. 
XXXX XXXX Equifax are reporting accurately, EQUIFAX OMITS IMPORTANT INFORMATION TO PUNISH CONSUMERS WHO COMPLAIN. 

THIS SHOULD BE CRIMINAL
Consumer complaint received 2022-04-22
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-22
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX  XXXX XXXX XXXX  XXXX 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 an account without my written instructions. 
"
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST UNITED BANK AND TRUST COMPANY (OK)

Consumers for this bank have not been able to access their ATM deposits or debit card transactions for XXXX days. I'm getting ready to switch banks because of the poor online banking application used by this First United Bank. The application has constant technical functionality glitches. After a certain time of day, you are not able to see pending transactions. Today you can have {$2000.00} and XXXX minutes later {$50.00}. There are constant issues with pending transactions, balances not displaying in real time and funds transfers.
Consumer complaint received 2024-02-20
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. (GA)

To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (ID)

My account was deleted and removed by original creditor and credit reports on XX/XX/XXXX Received a suspicious letter XX/XX/XXXX ( also another SCAM it was back-dated XXXX but not postmarked till XX/XX/XXXX - stating needs to be paid within x amount of days from DATE of letter - SCARE TATIC and misuse of DATES ). 

this account is not valid, it is an account that was deleted. 

this company is not valid - who us XXXX? They write the letter 'as if " they are the original creditor / account / collection company - THEY ARE NOT. 
this company is trying to use scare tactics to make people believe they own a debt that is not valid. 

PROTECT yourself, protect your loved ones from SCAMS LIKE THIS that are allowed to happen by the government and these " debt collectors ''. No one cares but you, so READ everything CAREFULLY. 

In tiny fine print it says if you pay the debt they can then reinstate it and sue you! For a debt that isn't in VALID or LEGALLY BINDING! If you look closer you will see THEY CAN NOT SUE YOU, they can not even REPORT on this debt- why? because it is INVALID, deleted, removed or doesn't even exist. 

Legally they can not sue you or reinstate a deleted debt that you do not owe. DO NOT BE FOOLED by this COMPANY 's -- - GROSS MISUSE, MISREPRESENTATION and HARASSMENT. FTC and CFPB won't do anything so stand up for yourself and against companies using GROSS MISUSE TATICS for people who are under-read and do not have the comprehension skills to understand the MISREPRESENTATION of the language they are using and TWISTING to their benefit.
Consumer complaint received 2022-04-22
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. (TX)

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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX 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 2022-11-07
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)

In accordance with the Fair Credit Reporting act XXXX  account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX  XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed )