davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). 
GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 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 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. 

Account name : XXXX XXXX XXXX : # XXXX
Consumer complaint received 2023-07-20
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. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The identity questions caused me to be unable to access my credit report online. 
1. They asked for a previous phone number. I have had the current number for well over 10 years, so I could not remember a previous number I did or did not have. 
2. They asked for what year my XXXX was. They had XXXX and XXXX listed, so I picked the most recent since I had both years at XXXX time. 
3. They asked for business/employers I was associated with, I was unfamiliar with any of them, so possibly the company had a name I was unfamiliar with. 
Because they could not " verify '' my identity I was shut out of their system. To order by phone will take weeks to receive and I know their are some items that are duplicates and incorrect which I need to fix because it is impacting my credit score. 
Every year I have problems with Trans Union, either with getting my report, correcting it or disputing an item. They deliberately make these processes difficult and ask questions nearly impossible to know answers to.
Consumer complaint received 2023-02-07
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. (TX)

I am challenging an account that Experian, XXXX, and XXXX are reporting on my credit report. They are reporting 2 late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.
Consumer complaint received 2023-07-20
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted
Consumer complaint received 2024-03-12
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. (NY)

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( Equifax, XXXX, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither Equifax nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, Equifax and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX section XXXX A. XXXX I have a right to privacy. 
XXXX XXXX. Section XXXX A. Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX. c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer reporting 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 more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 accurate.
Consumer complaint received 2023-02-07
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. (PA)

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 2023-02-07
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
Consumer complaint received 2022-04-16
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)

Good evening im currently being violated by Transunion! Im demanding the description of reinvestigation procedure. they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

on XX/XX/ I tried to get a personal loan with XXXX XXXX XXXX, and I was denied immediately because my Equifax was not reporting. They sent me an email but no actions were taken. 

I also tried renting a house with XXXX XXXX XXXX XXXX XXXX XXXX and i was immediately denied because again my Equifax was not reporting. Tried reaching out to XXXXXXXX XXXX XXXXXXXX they would not talk to me at all. The leasing agent treated me like nothing. 
Equifax has negatively impacted my life and they need to be stopped.
Consumer complaint received 2023-07-20
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX
Consumer complaint received 2022-03-16
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: JPMORGAN CHASE & CO. (GA)

XXXX-22 between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.
Consumer complaint received 2023-07-20
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. (LA)

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 2023-07-20
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is fraudulent, inaccurate, and unverified information on my credit report. I have tried to reach out to the bureaus, but to no avail. According Section605B of the Fair Credit Reporting Act, the fraudulent information must be removed.
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: Experian Information Solutions Inc. (GA)

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number

: XXXX, has violated 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

I had recently opened a new account & reached out to Wells Fargo to open a dispute for a charge posted on XX/XX/2023 in the amount of {$3000.00} against the merchant XXXX XXXX and the payment processor XXXX. I had opened this dispute as I had returned merchandise to the Wells Fargo had originally provided a provisional credit on XX/XX/2023 which they later reversed their decision and rebilled my account. The reason given behind this was no proof was provided that the merchandise was returned to the merchant hence why a refund could not be issued. They had also provided some documentation that I had seen previously which did not support their stance at all as Ive refuted this previously in a Dispute Letter that I had provided to them which Ive attached again. 

Throughout the documentation provided by the merchant and payment processor they both had been vague, misleading and withholding information to which I had pointed out to Wells Fargo which should have been a red flag in the first place. First XXXX had been claiming a refund was issued which was untrue as they billed me again and this was especially the case with the merchant blatantly lying that gave the tracking history which showed nothing ever been shipped as they were very clever to show information that was erased as XXXX removes this information after a certain amount of time which I had to pay out of my own pocket to obtain the archived tracking information. I had provided to Wells Fargo a detailed letter with plenty of documentation that served as proof for not only the package being dropped off at my local post office, but the weight, address and label matching everything that the merchant had given to me to return the merchandise. 

Ultimately on top of the drop-off receipt that clearly is an indication the package was returned and being handled by the shipping carrier XXXX, XXXX had given the archived tracking information which I had recently given to Wells Fargo that shows that the package last update was UNABLE TO DELIVER OR RETURN, SENT TO MAIL RECOVERY CENTER. When you refer back to the shipping carrier website on further information regarding this status which indicates that the package being no longer available & the package is unable to be delivered nor returned back to either the merchant or myself. Now I had sent the package back to the merchant and given the proof of drop off to Wells Fargo along with the last update on the package, so if the merchant had insured the package/label then they should be able to file a claim to get their money from XXXX however if they hadnt then the burden of that irresponsibility falls upon the merchant. The merchant also never addressed if such an issue was to arise who would bear the burden of a lost package as its nowhere to be seen even in their return policy.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.