davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (IL)

I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below AccountXXXX XXXX Company- XXXX  Account number- XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning not connected with me that acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (NC)

I have been called close to XXXX times by this organization. 

The debt is not mine and I am not affiliated with the company nor have I ever been. They are harassing me and will not stop. They have called and facetimed me, calling me a liar and raising their voice.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I hired a company called XXXX XXXX to monitor my credit and protect me from Identity theft. On XXXX, I was informed by XXXX XXXX that Freedom Mortgage company has reported to the Credit Bureaus that one of my accounts is in major derogatory. I don't have an account with them in major derogatory, and all my mortgage payments are paid on time. I have been waiting for the final documents that follow the modifying agreement for the past 4 months, and I haven't received them from the freedom company. I have called the freedom company many times and still haven't received the documents that I have been promised by the freedom company that I will receive them. The incorrect report from Freedom to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely. Also, I have been told by the XXXX XXXX representative not to pay until I receive the final documents that follow the modification agreement; however, I kept paying. I made my last payment on XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

after repeated calls to my phone at all times of the day. I recieved a bill in the mail from wakefield & Associates for unpaid hospital charges of a family member who does not live in my household and has not for 25 years. I returned the bill with a written note of this information. Since then the calls come, but are automated so as not having anyone to talk to. It is very frustrating to awake to these calls when you have not done anything to warrant them. I pay the bill but someone else is in control of my phone line to harass me to pay someone else obligations.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.
Consumer complaint received 2019-04-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.
Consumer complaint received 2022-05-30
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: ENCORE CAPITAL GROUP INC. (PA)

I am making a second complaint against Midland Credit Management for being in violation of 15 USC 1692 ( a ) & ( d ). Per previous compliant, this company did not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. A trilateral contract was not provided that they legally obtained my personal information. Midland Credit Management attached statements which are not bills. Midland Credit Management promised to cease communication & close my account but has not deleted this alleged debt from consumer reporting agencies which is indirectly communicating with me.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-30
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. (CA)

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # 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 writing instructions.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (CA)

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # 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 writing instructions.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.
Consumer complaint received 2017-07-27
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. (TN)

Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

First image mentions escrow advance of {$3700.00}. It is consistent with the first statement for XXXX. 

The second image we see escrow shortage is {$9000.00}. 

So why {$5300.00} extra? Second page adds up boxed numbers. 

The {$3700.00} divided by {$150.00} ( escrow monthly payment ) works out to just over 6 months. 

If I cut a check for {$9000.00} today, and used the shortage they state of {$3700.00} we would have {$5300.00} today. 

To pay {$1800.00} and {$5200.00} in XXXX. They do state the new amount starts in XXXX. So there would be XXXX five months at {$740.00} adding {$3700.00}. 

This totals {$8900.00} well in excess of the XXXX payments in XXXX of {$7100.00} = {$1800.00} But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. 

This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? 

Lenders are allowed by federal law to collect an extra two months of escrow payments as a cushion. The lender could receive extra throughout the year to make sure that the homeowner 's escrow account has enough money to cover these two bills. 

We do see this number {$1100.00} in the escrow balance required in XXXX. 

But the reason is $ XXXX in XXXX, this is the amount of all XXXX needs for tax and insurance, the entire back {$3700.00} and 4 payments of {$740.00}. 

When they have the 2 month cushion escrow would be 100 % caught up with 56 extra payments of {$150.00} or {$8400.00} extra for no reason at all. And zero flexibility to make changes without extreme measures. 

Im still 12 months ahead of the amortization. They want anther annual surplus. 

edit But then 12 months for the XXXX payments there would be {$8900.00} collected to add to the {$1800.00} we get {$10000.00} for the annual bills now I understand these will go up. But they can and will raise the standard for that. Not the back payment. There is no estimate in the paid years. Only this year. 

This is just 16 of 60 payments. What ugly balance will be have with 5 years of $ XXXX surplus annually? 

I take this back the additional $ XXXX would have been paid in my rundown so the XXXX escrow would be {$7100.00} to add to the predicted XXXX balance that would exist with the {$8900.00} payment. 

SO wed have {$8900.00} to pay what is {$7.00} last year. 

It will be less for XXXX than it was. 

XXXX  {$290.00} of the property tax in XXXX was delinquent tenant water bills. 

Description Amount Paid Due Gross Tax XXXX - - School Credit XXXX - - Submit Total XXXX - - First Dollar Credit XXXX - - Lottery Credit XXXX - - Net Tax XXXX XXXX XXXX Special Assessments XXXX XXXX XXXX Submit Special Charges XXXX XXXX XXXX Submit Delinquent Utility XXXX XXXX XXXX PrivateForest Crop XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (IL)

I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below Account- XXXX XXXX XXXX Account number- XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

My vehicle was broken into on XX/XX/2022, and various items were stolen including a checkbook for my personal checking account at Umpqua Bank. I immediately filed a police report for the incident, but failed to realize that my checkbook was among the items stolen until XX/XX/XXXX, when a forged check for {$800.00} was cashed and the funds were withdrawn from my account. I immediately informed my bank, had my account frozen, and amended my police report to report the stolen checkbook and subsequently forged check. Umpqua Bank has not reimbursed me for the stolen funds, the case was turned over to their internal fraud investigation department, but they have not furnished me with any written correspondence regarding a determination of my case. I have requested updates multiple times through my local Umpqua branch, but have not been given any definitive status updates ; Ive only been told verbally that its likely that the fraud department will not reimburse me because the believe keeping a checkbook in my vehicle does not constitute ordinary care in the safekeeping of my financial information per my account agreement, which I would dispute given that my car was locked, the checkbook was concealed in the glove compartment, and it was parked on a well-lit street with surveillance cameras facing it. I also contend that Umpqua Bank did not exercise care when they honored a check that very obviously did not have a signature matching mine.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.