davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have been struggling to repair my credit scores Finally got my XXXX score in XXXX Equifax in XXXX and XXXX XXXX About a month ago both my XXXX and Equifax scores dropped significantly by over XXXX points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current. 
There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-30
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. (TX)

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Consumer complaint received 2021-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bizcorp, LLC (MO)

ON XX/XX/2021 revoked my ACH debit authorization from the organization so i can have better control over my account. I never said I would not pay. The response I got was they would garnish me. I don't think it is necessary to threaten me with garnishment just because i do not want auto debits done to my account.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 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 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

Please note previous CFPB complaint id : XXXX XXXX which was closed as resolved. However, Mr Cooper ( a/k/a Nationstar Mortgage ) still has not resolved the problem. 
Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Due to the insurance crisis in Louisiana, many insurers have left XXXX XXXX leaving only XXXX XXXX to insure properties. As an upstanding citizen, I immediately received updated insurance with XXXX  XXXX. The updated insurance policy was sent to Mr Cooper too many times to count, from both XXXX XXXX XXXX and myself, by emails, fax and uploads to their site, which did not remain after two previous uploads. The insurance department was in receipt of updated insurance providing emails stating " nothing due nor action required ''. However. servicing does not appear to communicate with the insurance department as they repeatedly send mail and emails stating lapse in insurance and added escrow and late fees to be added to my mortgage, which I have never escrowed, which also caused more calls and attempts to send proof of insurance. 
After I provided initial complaint to CFPB id : XXXX XXXX, this non-issue seemed to be resolved as a letter from Mr Cooper was received stating insurance received with no additional escrows would be added to my account and it would take up to 10 days to remove the added fees on my mortgage However, shortly after receiving that letter, I was also mailed a check in the amount of {$150.00}, which I did not cash as it should not have been received since this was due to fees that should not have been applied to my account and did not require a refund ( check attached ). Despite receiving an unwarranted refund, I continually receive emails stating that I am late with a negative amount showing due to escrow and late fees. Mr. Cooper 's website shows a balance due of {$760.00} where as my XXXX mortgage statement shows total due in the amount of {$1400.00} rather than my fixed payment at {$690.00} per month, which is paid directly from my bank account every month, which means that I have never been late. nor escrowed. Please see attached last 13 month payments from my XXXX bank account along with XXXX XXXX correspondence dated XX/XX/2023, as part of feedback from my initial CFPB complaint, which also includes their accounting of repeated late fees/ escrows falsely added to my mortgage. Again, I have never had escrows nor have I had a lapse in hazard or flood insurance. I have attempted to speak to them and I can not get anywhere as service representatives do not comprehend what has incorrectly taken place on my mortgage. I feel it is abuse to repeatedly receive emails stating that I am late / past due on my mortgage. Please have XXXX XXXX update my mortgage correctly without any late fees nor escrows. Thank You.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (AL)

I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

XXXX 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 2022-10-29
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)

This credit bureau did not correctly validate the debt and I requested a copy of an agreement showing I legally signed and bonded to this debt and they have not sent it over. It is against the law to furnish incorrect information from a debt collector XXXX that I have nothing to do with. This is not my debt. It has been more than 30 days and they have not sent over any physical documentation that I signed an agreement with that debt collector. By law they are required to have a copy of it on file before furnishing it on my credit report.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NJ)

On XX/XX/XXXX, I received a completely unsolicited envelope from the Company Netspend 'All-access ' ( XXXX XXXX XXXX, XXXX, TX XXXX ) containing a card bearing my name, an account number and expiration date, and a security code, which appears exactly like a real credit or debit card. Again, I never requested any such card from this company, and do not know how they got my information. Also included is a 'direct deposit form ' bearing a routing number and account number for an account which, again, I did not request to open and have no interest in. I think and hope that they don't actually have any of my money, but the mere appearance of an account opened in my name that I did not request is panic-inducing and extremely deceptive.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The accounts that need verification are still in my credit report, I need the accounts to be verified and repaired for they are misleading and erroneous. 

Please verify these accounts : XXXX XXXX Balance : {$82.00} XXXX XXXX  XXXX Balance : {$4100.00}
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. (NJ)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 correct XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-03-16
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. (WA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name.

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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: Experian Information Solutions Inc. (KY)

ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian XXXX XXXXXXXX credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

Some company by the name of XXXX have sent me to collections by 5 different agency. Soon as I resolved with one company another write me and send to my credit history. I have been fighting with them for years they remove it then put it back under a different name. 

They have used XXXXXXXX XXXX XXXX XXXXXXXX now Vance Huffman llc. 

I keep telling them I never used XXXX  they refused to listen.
Consumer complaint received 2023-03-16
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. (GA)

I find out that the same accounts on my credit report was inaccurate 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 updated : XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (SC)

After numerous attempts to get verification about these fraudulent accounts from the three credit bureaus XXXX, XXXX, and XXXX I have never received any response back as yet. These accounts do not belong to me as follows : 1.Medical data systems acct # XXXX 2XXXX XXXX  service acct # XXXX 3.XXXX XXXX XXXX acctXXXX*** 4.XXXX XXXX XXXX acct XXXX XXXXacct # XXXX 5. XXXX   XXXX/XXXX acct # XXXX 6. XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-02-17
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. (GA)

This is my 7th 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, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in 2020 and reported it to total visa. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized.
Consumer complaint received 2023-03-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX