davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc. (OR)

I have prepared my file of over 300 emails documenting all of the ways in which eMortgages conduct violates State and Federal lending laws including but not limited to : mishandled and losing my sensitive personal information continuously over a 6 month period ; improperly, inaccurately, and negligently directing us not to make our mortgage payment resulting in a detrimental mark on our credit report ; improperly transferring our property insurance leaving my lender uninsured for over two months ; knowingly providing incomplete and inaccurate information on our refinance application and closing documents even after I informed them that the information was not correct ; making misrepresentations and false statements about eMortgage practices and required documents ; continuously delayed processing the refinance resulting in the expiration of documents and requiring updated documents on multiple occasions ; requiring documents that had previously been provided 2, 3 and 4 times prior ; and failing to expeditiously pursue and secure refinancing in good faith and in our best interest. I also believe that eMortgage engaged in racial bias as eMortgage initially approved the refinance loan, indicating on the refinance application that my husband and I were XX/XX/XXXX. I informed eMortgae that my husband is XXXX XXXX and that I am Native XXXX and XXXX and after that, the above described conduct began.
Consumer complaint received 2023-03-15
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. (TX)

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

This is my NUMEROUS 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.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
Consumer complaint received 2022-12-14
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)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2020-11-10
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)

I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and Equifax have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXXAccount NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2020-11-10
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. (FL)

I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both TransUnion and XXXX  have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntiXX/XX/XXXX Account NameXX/XX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2023-03-15
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-10
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. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA  XXXX Experian XXXX. XXXX XXXX XXXX, TX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA  XXXX XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I AM A VICTIM OF IDENTITY THEFT, THERE IS MANY THINGS WORNG ON MY CREDIT REPORT. DO NOT USE MY COPY OF ID AND SS CARD AGINST ME, I AM ADDING IT TO MY CLAIM FOR PROOF IDENTITY PER YOUR MAIL REQUEST. 

To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PLEASE REMOVE THESE NAME FROM MY CREDIT REPORT. PLEASE REMOVE THESE DIFFERENT VARIATIONS OF MY SOCIAL SECURITY NUMBER, IVE ATTACHED A CPY OD SS CARD FOR VERIFICATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS DO NOT BELONG TO ME : DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

This is an old account. I made attempts to contact the collection agency to work out a payment plan which they did n't accept. I 've since received numerous calls. It has become uncomfortable and distracting taking these called while I 'm at work.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I entered into an SBA loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX  XXXX XXXX XXXX FL. 

In XXXX of XXXX I filed XXXX  XXXX personal bankruptcy and lost my business. 

In XXXX of XXXX the bankruptcy was discharged. 

After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. 

XXXX of XXXX I get a call from XXXX XXXX XXXX  asking if I had taken out an SBA loan. I said no, but I had one that was included in my bankruptcy. They advised that the SBA has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted SBA and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the SBA again about it, but our contact is not responding to us. 

XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the SBA had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. 

I think the mistake is in the fact that the facilitator XXXX XXXX XXXX  and the SBA used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and discharged XXXX of XXXX
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently check my credit report and across all XXXX major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2023-03-15
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

XXXX XXXX XXXX : XXXX, XXXX 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.
Consumer complaint received 2020-11-10
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Consumer complaint received 2023-03-15
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. (LA)

My name is 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 2020-11-10
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX AV XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX.