davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (FL)

Hello, these companies have been disclosing deceptive accounts. I've provided evidence indicating they're infringing upon my consumer rights. Despite this, the companies have failed to furnish any evidence of violation or justify the alleged debt placed for collections. Despite my repeated attempts, the issue remains unresolved. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (CA)

I don't recognize these items ( INQUIRY 's ) on my Credit report & they should be looked at and Corrected or removed Indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

Our mortgage was initially issued by XXXX XXXX in XX/XX/XXXX. Shortly thereafter ( XXXX XXXX XXXX the loan was sold to XXXX XXXX Loans. XXXX XXXX loans proceeded to sell our loan to Shellpoint Mortgage Servicing in XX/XX/XXXX. We made a payment of $ XXXX to principal on XX/XX/XXXX. The payment was not applied to our balance either by XXXX or Shellpoint. We pleaded with Shellpoint and also demanded that they release property tax payment out of our Escrow account. Not only did they not apply the payment, they went ahead and reported us to the Credit Bureaus for a late payment.  Furthermore, they never released funds out of the escrow to cover our town taxes. The town is threatening to place a lien on our property. Around XX/XX/XXXX our loan was again sold to XXXX XXXX XXXX. We contacted them immediately to have them release the Escrow funds. It is XXXX now and they have not done so as well. 

Please not that we did not request for our loan to be sold 3 times in the period of six months. We are being dragged through the mud by these shoddy mortgage companies that we had no idea even existed. In order for us to refinance the loan at this point, it would cost us $ XXXX in closing costs, which we do not have to waste.
Consumer complaint received 2023-05-12
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)

My rights as a consumer have been violated by consumer reporting agencies .. ACCOUNT NAME : Louisiana XXXX support / XXXX  XXXX XXXX Louisiana has been posted on my account and is preventing me from enjoying the quality of XXXX TransUnion and XXXX  XXXX has violated my rights 15 USC 1681-4 : There is a need to ensure that consumer reporting agencys exercise, their grave responsibilities with fairness impartiality in a respect for the consumer rights to privacy 15 USC 1681 section 602 a : States that I have a right to privacy 15 USC 1681 section 602 A : It also states, a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) : States that 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 conviction of crimes, which antedates, the report by more than seven years.

15 USC 1681, S-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 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I had a Wells Fargo mortgage. When the housing bubble happened, I tried to refinance my mortgage and Wells Fargo said I could not reapply. As such, my home was foreclosed. Had I been able to reapply, I could have gotten my payment down to where I could have made the payment but Wells Fargo refused to let me apply. I have called Wells Fargo and after getting the pertinent address and my current address, their system hung up on me. I am not sure if I need to call again and sit on hold but - as is typical with WF - nobody in customer service can answer any questions. This was XXXX when I tried to refinance - XXXX or XXXX and the home was repossessed in XXXX. 

Thank you for your time.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is trying to say I did a partial home loan modification in XXXX. I had my whole loan redone to {$90000.00} XXXX  XXXX XXXX got {$21000.00} which isn't supposed to be paid back until the end of the loan which is XXXX. It doesn't state it in the letter either about a partial home loan modification from XXXX. XXXX  XXXX XXXX tried to foreclose on my home in XXXX because they weren't applying my payments as they should be. I had to file for bankruptcy protection to save my home. They keep telling my lawyer different stories from what they told me to cause trouble. Now Carrington is causing more trouble with not notifying my lawyer or the bankruptcy court. This XXXX as an f rating with the XXXX. It seems they want to transfer my home loan to these sorry companies.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX disputes have been sent through the year of XXXX ; and recently still being updated XX/XX/XXXX and XX/XX/XXXX ; as if my disputes and pointing out several violations never existed. This is my last attempt pointing out these inaccuracies before taking legal actions. On ALL XXXX XXXX XXXX XXXX accounts multiple inaccuracies and violations continue to happen on a monthly basis and destroy my credit! 

XXXX ) XXXX XXXX XXXX ( a ) accuracy and XXXX of credit reporting has been violated MUlTIPLE times XXXX ) XXXX XXXX XXXX protection of nonpublic personal information has been violated on multiple occasions. 

XXXX ) XXXX U.S.C XXXX Obligations with Respect to Disclosing Information, I have never received the XXXX disclosure forms this law states I am suppose to have received XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts It is to notify the agency of The alleged delinquency date on the account, which shall be the month and the year. IT DOES NOT STATE to CONTINUOUSLY REPORT MONTHLY and yearly! 

XXXX ) Also, according to the IRS charge offs are considered gross and ordinary income and you are to receive a XXXX from any alleged debt that is above {$600.00}, I have not received this for any XXXX XXXX XXXX XXXX account, So why are these alleged charged off accounts still reporting as debt on my credit report? 

These disputes are not to inform if the alleged XXXX  belongs to me it is to point out that these consumer reporting agencies have been in violation on multiple laws and has not been accurate and fair according to the FCRA, and they are allowing these accounts to continue to cause me distress and ruin my credit report! In XX/XX/XXXX, I asked for proof of verification, including the method of communication, documentation used to verify, to whom they spoke with, the date, what number did they call, the creditors address, what position did the person that they spoke with works? That has been longer than 30 days ago and I have yet to receive that! I asked that if they could not provide that to delete all of these XXXXXXXX XXXX XXXX XXXX accounts off of my report because it seems like their reinvestigation is computerized Or just telling me, the information is accurate!
Consumer complaint received 2023-01-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Consumer complaint received 2023-05-12
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. (MD)

I was going through my credit report with intention of cleaning and improving it and I did some heavy research on the fair credit reporting act. I also read about if something is inaccurate on my credit report then I have the right to challenge it. Are you informed about 15USC 1681i ( a )? I believe it says if you can not provide proof this information is verified then I want this account removed from my credit report. An investigation takes 30days if the account is not verified then please remove the account. I demand the account USDOE/XXXX  to be removed from my credit report. attached to this CFPB I have the date opened is not the same with all three consumer reporting agencies and the last reported date is not accurate for all three consumer reporting agencies. Since this is inaccurate by law must be deleted from my credit report. 

15usc1681 ( a ) ( 1 ) Transunion inaccurate and unfair credit reporting shows flaws in the banking system and destroys the trust from the people which is crucial for society and the banking system. 

15usc1681a ( p ) Consumer reporting agency furnishes my consumer report to 3rd parties which leads me to 15usc1681b ( 2 ) I did not give written instructions for XXXX to furnish my consumer report to 3rd parties. 

15usc1681 ( 4 ) Transunion has to be accountable and respect for my right to privacy which was violated once they sent my consumer report to other 3rd parties.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MD)

I was offered a position at XXXX XXXX and proceeded with my background check. I have no criminal history and have never been arrested. I received a phone call from the HR department at XXXX that my background check came back with a XXXX   XXXX charge from XX/XX/XXXX-XX/XX/XXXX. The report submitted to XXXX stated the Case Number, my married name and my date of birth. I contact First Advantage and filed a dispute. Upon further investigation of my own, the woman who was charged had a very similar maiden name as me and our birth date is one number different. I was able to speak with someone at First Advantage and they said if there are any two matches in any category it flags their system and then they do further investigating to see if it's really that person. They then transfer the information manually to my background check report. My concern is that they then transferred the information incorrectly into their system and provided XXXX XXXX with VERY inaccurate information. They inputted my married name XXXX XXXX XXXX and my date of birth into their background check file for XXXX. XXXX from First Advantage told me that she spoke to her manager and that this could have been a " clerical error on their end '' while manually entering the information. They didn't do their due diligence to make sure the information was correct before providing my background check to new employer who is now second guessing if I'm the right candidate. My dispute was filed on Thursday, XX/XX/XXXX. I understand there was a weekend and we are in Covid-19 crisis and many courts are closed or limited. I understand my maiden name is common and there are many XXXX XXXX ' out there, but if they just would have entered the information correctly this wouldn't have a been in issue and I would have been able to sign my contract. No resolution or additional information has been provided by First Advantage. I want to make sure that if there is EVER a case of manually adding information to a background check that this information is triple checked and this doesn't happen to anyone else. I know this will get resolved in due time since this is 100 % not me, but my reputation and job is still at jeopardy.
Consumer complaint received 2023-01-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Consumer complaint received 2023-01-23
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. (NV)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

The company LJ Ross has a collection of {$0.00} on my XXXX report but I do not know this company nor have I paid this company. Its registered as XX/XX/XXXX and the last date reported was XX/XX/XXXX.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (GA)

I received an alert on XX/XX/23 on my American Express Credit Guide stating a new tradeline had been opened that I did not authorize. I have raised a dispute with XXXX and am hoping to get my account expunged of the unknown account.
Consumer complaint received 2023-01-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deinde Online Services, LLC (FL)

Integra Credit has not verified the account in question They have sent this account to a law office that continues to call my phone at XXXX XXXX XXXX but does not leave a detailed message as well as where I can understand his message to even get the name of his office. He has called multiple times from XX/XX/2023. The company Integra credit never had my consent to send my information to a third party.
Consumer complaint received 2024-03-20
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. (FL)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

*** PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! XXXX   XXXX XXXX & XXXX, XXXX XXXX XXXX. XXXX/XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites ! but both show different information.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Filed disputes with XXXX and equifax in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IN)

I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}. 
Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment. 
I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.