davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : 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.
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$640000.00}
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (TX)

I bought a house in XXXX. I used Everett Financial Inc dbaSupreme Lending for my mortgage company. The previous owners passed away but they had homestead exemption. I filed for homestead exemption in XXXX. In XX/XX/XXXX the mortgage company changed my monthly mortgage payment to {$1000.00}. I was paying {$1300.00} a month for XXXX. I called Everett Financial to ask about the decrease in my payment. The person that I spoke with said that it can happen like that and that it looks accurate. In XX/XX/XXXX I received a check from Everett Financial for {$4600.00} again I called to ask about this and what is it from. The person from Everett said that that can happen where there is a escrow overage and they are required to send the money to me. I asked about if I needed to place it back into the escrow person said I can but not necessary. I decided to place {$1000.00} back to escrow. I thought I was doing good with that. So now Everett Financial said I do not have enough money in my escrow. Looking at my Annual Escrow Account Disclosure Statement Account History I have that the mortgage company only anticipated a {$1.00} each for County tax, School District Tax, and City tax. Everett Financial is now telling me that I owe them more money with this year 's mortgage payments. I now have to pay {$1800.00} a month. This will be very difficult. I spoke with Everett Financial this morning the person escalated this to her supervisor who said that due to the previous owners having a homestead exemption Everett Financial anticipated the taxes with the exemption in place. The only thing Everett Financial could do would be to give me 24 months to pay the amount back. I called and asked questions about these things that did no good to prevent this from happening.
Consumer complaint received 2022-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

On XXXX first I made my payment of {$2500.00}. There was a processing error and I was double billed for a total of {$5100.00}. I have contacted the lender and they keep making excuses on why its taking so long to refund the money. I called today and was told they made another error and would have to start the refund process over. I have incurred overdraft and late fees that cant be refunded from other accounts. They wiped out my checking account and have left us in a hardship situation that they care nothing about.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

I paid my balance in full and closed the card ( I have all the statements ) The following month they billed me for a misapplied payment ... .after the card was closed and all balances paid in full. They have been accumulating late fees without resolving the problem. I have filed a dispute with them but they have not answered the complaint with any proof that it is my responsibility. The latest statement is now {$110.00}, all late fees and my credit rating is being lowered because of it.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

We are currently facing a impending foreclosure on our home and residence. On XX/XX/XXXX l received a certified letter which read " Notification of our plan to sell property '', which will be included with this complaint. This is the first correspondence of this type received. 

When Ditech Mortgage XXXX  folded several attempts were made on our part to fix and repay delinquintcies of our mortgage. Or some sort of repayment arrangement with the Shellpoint Mortgage Servicing company starting in XXXX. This was because of a letter received from Ditech Mortgaging XXXX, instructing us NOT to make payments to them. As they were going out of business at the time.

Each time that Shellpoint was contacted we were transferred to an extension in their company. Supposedly the case worker working our case, where everytime meeted by voicemail. Leaving a message, each time expecting a call back ; none was received. The last time before the above letter was received was on XX/XX/XXXX. Following my wife 's XXXX XXXX, we were to call back two weeks later. This was because she was just coming out of the hospital. Called Shellpoint back with an extension to call two weeks later to the day. Call went to voicemail again and left another message asking them to call us back. No return call was received again. Keep in mind each time Shellpoint was contacted there was a different extension, and different case worker.

Shellpoint also said over the phone on XX/XX/XXXX that at the beginning of this that they had sent me a welcome letter. This letter supposedly discribed when and where to send payments. No such letter was ever received. 

I feel that we made every attempt to try and resolve this matter. Shellpoint Mortgage Servicing 's way to solve this is to go ahead and sell and foreclose on the property.
Consumer complaint received 2024-03-11
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. (WV)

I got a free copy of my credit report from annual credit report, and theres are multiple requests for credit that I never applied for or gave permission for and I don't understand how or why they are on my credit report. My fear is this could be a sign of attempted identity theft, I have done fraud report on the FTC website and identity theft reports on the goverment website. I am also putting fraud alerts on my credit and I have signed up for credit monitoring service so I can make sure to be notified if this happens again. I have done research and I've found this under The Fair Credit Reporting Act law. ( 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ). That is what I'm doing, I'm requesting to have all these fraudelent credit inquiries removed from my credit report. As I said I didn't apply for anything, sign anything or give anyone permission to look at my credit for any reason whatsoever so these inquiries are unauthorized. I called Equifax Credit Bureau and explained everything to them. They told me I had to contact the companies that did the credit inquiry to have it removed. So I did what they said, I called the phone numbers listed with the inquiry and explained to them that I wanted them to remove their unauthorized credit inquiry from Equifax. They all gave me basically the same exact response, we can't remove the inquiry you have to call Equifax, only Equifax can remove the inquiry. So I then called Equifax again and told them what the companies said, and they refused to help me. So I did more research and found that I could file a complaint with CFPB over companies not following the law, and have the CFPB contact XXXX XXXX and have them remove these fraudelent credit inquiries. I don't want to get anyone in trouble, I just want them to stop violating my rights under Fair Credit Reporting Act law.
Consumer complaint received 2022-03-15
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This complaint to EQUIFAX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$65000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}
Consumer complaint received 2022-03-15
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: First Advantage LNS Inc. (TX)

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. XXXX XXXX.
Consumer complaint received 2022-05-05
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. (NJ)

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Consumer complaint received 2022-03-15
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. (TX)

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.
Consumer complaint received 2022-05-05
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. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc (FL)

I called hunter warfield spoke with XXXX XXXX  tried to resolve balance with XXXX XXXX, she was rude and also stated I had a judgement placed against me which i am unaware of. i asked to speak to a supervisor she became rude and stated '' he's just gon na state the same thing I'm telling you '' finally transferred me to XXXX XXXX after leaving me on hold for a long period of time. I made an offer due to my income I was willing to pay XXXX due to what I got on my taxes, I'm a single mom of XXXX. I explained to him I had to move due to my daughter having XXXX XXXX XXXX. I explained to them my taxes were XXXX and I was willing to give them the whole thing, knowing that this debt is 4 years old. he then returned to me that it doesn't matter how old the debt is the client will only take 80 %. After he told me that I asked if he could take my offer back to the client XXXX stated that " HE WILL NOT TAKE THE OFFER OF XXXX BCK TO THE CLIENT CUZ HE DOESNT HAVE TO ''. I felt there was no option but for me to file a complaint due to them being rude and unprofessional and untruthful in regards to the judgement. Tried to setup payment plan they stated that it would not update on my credit report, again I am a single mom of XXXX and my daughter needing the extra medical services due to her XXXX my finances are very tight. After speaking to XXXX he did no try to help me with this at all and he hung up abruptly with out hope to resolve this matter.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

Venmo charged me a fee for " purchase protection '' per usual with many transactions. One transaction did not go well, which resulted in myself having to file a dispute for " not receiving merchandise ''. As shown in the attached supporting documentation that makes this statement factual, venmo has gone through many lengths avoiding their obligation to insure the loss of funds from the transaction. The claim was denied for many different reasons that had no truth or ground to it. Some excuses didnt even make sense because their reason was wildly irrelevant such as " terms of agreement state crypto currency is not eligible to be refunded '' or " didn't respond to request in time ''. I have spent several days trying to resolve this with them, making one appeal at a time then it getting denied for an outrageous irrelevant reason. Even their own staff are confused at the answers and explanation for these denials which is shown in attached documents as well.
Consumer complaint received 2022-10-24
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX* Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX 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 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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Allegiance Accounting Services, LLC (TN)

I had taken a loan out with XXXX  3 or 4 years ago. I was furloughed due to Covid and missed payments. The account was turned over to XXXX. I set up a payment plan with them where they wanted {$200.00} every 2 weeks. After being out of work for over 2 months, I fell behind on my payments because they are too much. XXXX XXXX from XXXX called my work number and told the person in our call center that she needed to speak with me. She was told that we do not take person calls. She told the co-worker that she had a complaint and judgement against me and that she needed to get in touch with me. My co-worker called me and I said I would take the call. I promptly told XXXX not to call me at work ever again. She said she would call my cell. She did call my cell, but I was still at work and unable to answer. She calls me back at work to tell me I didn't answer my cell. I told her again, DO NOT CALL ME AT WORK. She left another message on my cell. Today she called me at work again. I told her again, DO NOT CALL ME AT WORK. XXXX XXXX from XXXX  also called and left a message saying that I have 2 civil complaints and garnishment against my name and Social Security number. They have called me from 4 different numbers. # XXXX, XXXX, XXXX and XXXX. I am being harassed at my workplace which jeopardizes my employment. I have 3 copies of where XXXX has called me at work and a voicemail saved from her stating she wouldn't call me at work again, but she has called me at work twice since then.
Consumer complaint received 2022-03-15
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

FedLoan Servicing is continuing to report late payments during XXXX in all student loans prior to 2022 ( Account # XXXX ). There were never ANY late payments on either account, ever, and in addition, per 15 U.S. Code 1666 - 1666 ( j ) There were not any approvals, or permissions to report such erroneous findings. This has defamed my character and caused additional mental and physical adversities and hardships. 

My address is also being reported incorrectly.
Consumer complaint received 2023-03-14
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: RICHLAND HOLDINGS, INC. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for purpose.