davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX : {$40000.00}
Consumer complaint received 2023-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (DE)

XXXX XXXX account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and XXXX XXXX needs to be removed from my credit report.
Consumer complaint received 2023-03-09
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)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) I have also already provided the police report created referencing these fraudulent accounts.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

This is my fourth complaint regarding fraudulent and predatory practices of New Rez aka Shellpoint mortgaging services during healthcare crisis and national pandemic. 

These companies deceitful acts are to be exposed and investigated. 

In response to my complaints to these companies, including to their escalations department, LM specialists including XXXX XXXX, XXXX XXXX etc, New Rez /Shellpoint issued another response dated XX/XX/XXXX which this time is unsigned. The said response was uploaded into the CFPB website by New Rez/ Shellpoint. In accordance with GBL, the consumer is entitled to know the name and the title of person responding to the consumers complaints. 

The said response stated in paragraph 4 : Loss Mitigation Department representative attempted unsuccessfully to reach you at a phone number ending in XXXX on XX/XX/XXXX and XX/XX/XXXX to discuss extending your forbearance for an additional three ( 3 ) months toXXXX XXXX, XXXX ; a voicemail was left from the XX/XX/XXXX contact attempt. 

When I again contacted Loss Mitigation, LM Specialist XXXX XXXX stated that : We cant extend the forbearance plan toXXXX until XX/XX/XXXX.. 

XX/XX/XXXX is the deadline on the current forbearance. Leaving no grace period for extension puts the loan into a possible default, and is unconscionable. 

I have sent numerous correspondence to the company requesting their official position as to why despite of the companies statement that your XXXX XXXX XXXX XXXX f//k/a XXXX XXXX   ( XXXX ) backed loan is entitled to a 12-month forbearance period total, in maximum increments of six ( 6 ) months, if you request it due to a sustained inability to make your full contractual monthly installment payment, no forbearance or any response is being provided as of XX/XX/XXXX and my correspondence is being simply ignored. 

As a retaliation to my inquiries into the companies fraudulent practices, my escrow account is being charged for insurance when my condo and HOA insurances are current and active. Copies provided to NewRez and Shellpoint. 

As such, signed response to this complaint is requested.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; ATTYGENERLXXXXXXXX Balance : {$42000.00} ; ATTYGENERL XXXXXXXX Balance : {$34000.00}.
Consumer complaint received 2023-01-02
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. (PR)

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (PR)

XXXXXXXX XXXX XXXX XXXX  Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the Equifax Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Consumer complaint received 2023-07-13
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. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Seven years ago I took out a 7 year fixed adjustable rate loan that reset from 3.375 to 6.25 starting XXXX XXXX The current company servicing the loan is newrez morgage out of XXXX, SC. The loan documents clearly state the maximum that the rate can go up in any year is 2 percent compared to the previous years rate, meaning the rate should have not exceeded 5.375 for this year. A letter dated XXXX estimated my rate change would have been 3.625 and instead it is over 2.5 percent higher. I have made at least 5 phone calls to newrez loan servicing over the last several months to complain and ask for reconsideration, including escalating to supervisors but it hasn't changed their position on what my rate should be. I would ask the agency to look into this matter for me.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX This was already included in my prior COMPLAINT # , and I'm including it again. this complaint is my follow-up complaint to ensure the validation of the listed accounts.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with XXXX XXXX XXXX, using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 
Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation. 

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police Report
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX XXXX  Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (PR)

Auto Loan Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
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. (NY)

Bankruptcy showing on all my credit reports where never given permission I have called Experian to remove all bankruptcies information from my report I pay them monthly and constantly calling them about identiy theft on my report they have not done anything also with XXXX and XXXX.also XXXX,
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IN)

This has been an ongoing issue with Regions Bank and Regions Mortgage. On several occasions I've been to the local branch in XXXX XXXX  and tried to resolve the payment issue. I'm given the option to use Regions bank website or their app to make my monthly mortgage payments. Ive attempted this several times where the website doesn't register my scheduled payment, wherein my payment becomes late. On XXXX separate occasions in the last XXXX months I've submitted auto draft paperwork where they are able to access my account to be paid. My payments are still not being paid. Ive had the Regions branch XXXX access my account to resolve the issue and reimburse the late fees, and to date, only XXXX have been reimbursed. XX/XX/2023, the auto draft did not work so I manually submitted payment again online, and Regions mortgage was unable to process the payment because they attempted withdrawal on an account that I had closed XXXX years ago. Regions Mortgage states that the closed account is the only account directly associated with my mortgage. I attempted contact today with Regions mortgage, part of the issue might have been resolved, before speaking with a supervisor named XXXX XXXX refused to give any further assistance and stated that this is an issue between my bank and myself. Ive been to the bank monthly to resolve this issue and no assistance is forthcoming and fees and payments are now past due.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.