davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (SC)

Important fact : I am not the note holder on the bank note in question. 
I am a property owner listed on the deed of trust to a property Selene Finance is pursuing foreclosure on. 
Last payment paid to Selene Finance was XX/XX/XXXX. 
Bank note holder filed bankruptcy and it has been XXXX XXXX Relationship to bank note holder : x-wife. 
Refinanced XX/XX/XXXX new deed, x-husband tool bank note in his name as per divorce, mine remained on deed of trust as he owed me {$50000.00} in equity. 
New deed paperwork was signed at my home in a different state and is noted on the deed. 

I received a call from a realtor on XXXX XXXX inquiring why we were letting the home go to foreclosure? 
I had absolutely no knowledge. Selene Finance or the XXXX XXXX XXXX and XXXX made absolutely no attempt to notify me the property was at risk or being foreclosed on. Spoke with XXXX and XXXX on XX/XX/XXXX who confirmed my name and present address was in the file however all correspondence was being sent to the vacant property being foreclosed on. 

Quick claim deed executed on XX/XX/XXXX and recorded on XX/XX/XXXX deeding the home solely to me. 
Home listed on the market XX/XX/XXXX. 
Contracted to sell on XX/XX/XXXX with a settlement date of XX/XX/XXXX I have tried repeatedly to speak to Selene Finance. I have provided the new deed as asked by Selene Finance rep XXXX on XXXX XXXX so they could add me as succession. They refuse to add me. 
I have spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who have become increasingly hostile. 
I am trying to ask for the excessive amount of fines, fees and charges be removed as they failed to contact all property owners of default.
Consumer complaint received 2022-09-14
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-11-30
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2019-11-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I submitted complaints through the consumer finance portal, you reached out to wells fargo, asked for my response, and closed the complaint. No investigation, no research, and no follow up. You reached out to Wells Fargo just as I did and they proceeded to lie and ignore the concerns as they have done with me. As a consumer protection agency, aren't you supposed to investigate??
Consumer complaint received 2022-09-14
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: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft, I did not give consent for the loan from synchrony bank that was given to a company called XXXXXXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Consumer complaint received 2022-09-14
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. (NY)

My name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Could you confirm whether FCRA 605B necessitates the removal of any erroneous accounts from my credit report? I believe some of the listed accounts are incorrect. It's making me uncomfortable, so could you please double-check the documents?
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this to dispute the information contained in my credit report and to request an investigation into the following accounts. I noticed inaccuracies in my report and reached out to the creditor for validation of the debt, but they failed to provide any supporting documentation. My concern relates to the account listed as a late payment account. I demand that you provide concrete evidence of this account being late and, if such evidence is not forthcoming, I request the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX. I take this matter seriously and expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Our payments are returned by PHH Mortgage Co. We are on a Trial Modification. PHH mortgage is claiming we did not make our initial payment. We have supplied proof of payment and PHH Mortgage has confirmed payment was received. Still refusing to grant us our final Modification papers. 

XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to Ocwen Mortgage Co XXXX pmt {$2700.00} ( Paid XXXX XXXX by XXXX XXXX XXXX  ) to PHH Mortgage Co XXXX pmt {$2700.00} ( paid XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXX to PHH Mortgage Co We have receipts to prove. PHH Mortgage Co sent back payments for XXXX and XXXX claiming they never got XXXX 's payment. 

XXXX XXXX payment was sent to Ocwen Mortgage Co as instructed. Ocwen merge with PHH Mortgage as of XX/XX/19. all payments are to be sent to PHH Mortgage as of that date. All payments prior to XX/XX/XXXX goes to Ocwen.
Consumer complaint received 2023-11-30
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)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (SC)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (TX)

The line of credit account on my XXXX XXXX XXXX XXXX account is not accurate. XXXX XXXX XXXXXXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX,
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor 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 connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first endeavor 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 connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (TX)

These inquires do not belong to me and I do not recognize them please delete them. I do have accounts however the inquires from them below are not mine and since I do have some accounts with them XXXXXXXX XXXX refuses to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2023 I sent a notice to XXXX, Equifax, and XXXX about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account XXXX : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Consumer complaint received 2023-11-29
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (GA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.