davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (SC)

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, XXXX, and Equifax delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NY)

I have submitted numerous Loss mitigation packages to Round Point Mortgage Servicing Corporation. My application was denied and I was notified at the same time that my loan was being transferred to another servicer and now I have been notified that my home is up for an auction on XX/XX/2019. 

I tried calling the new servicer XXXX and they told me that my loan would be ported to their system by XX/XX/2019. I did in fact call XXXX on XX/XX/2019 and they told me that there was a hold up on the tranfer of all of the files from RoundPoint Mortgage Servicing Corporation. 

I can not get my new loan number, I can not do anything to help my self, because of this issue. I house has a sale dte XX/XX/2019 and XXXX may not have time to review a new modification package in order to stop the foreclosure sale. 

This is not right what RoundPoint Mortgage has done to me and my family. 
I have a sale date on my home and I am between two servicing companies RoundPoint and XXXX and neither one can help me at this point. What do I do? 

As of XX/XX/2019 XXXX became the new Servicer for my loan. XXXX has no information concerning my loan.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (FL)

This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.
Consumer complaint received 2019-04-08
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. (MA)

Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX I attempted to get my free credit report from TransUnion. After several attempts, all they would show me is a list of my past addresses and a list of my credit card accounts. They then asked, do you want to see your credit score? With a tab that would force me to join their service to see my score. I understood we were supposed to be able to access a free report from the 3 credit institutions.

Its a total ripoff.
Consumer complaint received 2019-04-08
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. (OH)

I have reviewed my Trans Union credit report and found numerous credit inquires listed that I have no idea who these creditors are that pulled my credit report! I disputed these fraudulent credit inquires with Tran Union ( XX/XX/XXXX ) and no action was taken or response as of XX/XX/XXXX! I am definitely a victim of Trans Union " inquiry issue ''! I called these creditors on my Trans Union credit report and all of the creditors advised me that no record of my name or social security number is on file for obtaining credit! The following inquires are listed on my Trans Union credit report : XXXX XXXX XXXX : XXXX XXXX XXXX ( showing twice the same month ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-XXXX-XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX! XXXX XXXX is reporting me twice in one month XXXX, XXXX which is obviously insane!!!
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

Reporting personal information to other companies without my consent, the law states 15 U.S.C. SECTION 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 REPORTYING AGENCY CAN FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit defamation : If I have false, inaccurate or derogatory Entries in my reports A personal assest of mine can be damaged and will deserve compensation by law. The inaccurate reporting on my reports are causing damage to my creditability. XXXX is reporting late every month is a major concern and is causing damages, inaccurate info also between all three Bureaus
Consumer complaint received 2021-05-10
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX   balance was paid off in full and had a XXXX  balance. XXXX XXXX   went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Enterprise Acquisitions (VA)

The car rental company, Enterprise, gave me to use a car with an international driving license of another country. They have actual information about my living in the USA. In the end, when driving a car, I was arrested for not having a driver 's license in the state of Virginia. 
After the arrest, my car was taken away and sent to a paid parking lot. As a result, the company charged me money for rent and for paid parking 2 times more. 
Looking from the pink side, whose fault is it? This is not my fault, they saw all my documents and information. I demand a refund and moral damages for a lawyer!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I had a car loan through Credit Acceptance when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. Credit Acceptance is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.
Consumer complaint received 2019-02-11
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. (GA)

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After XXXX issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

The issue I've been having is with XXXX XXXX, the provider of the XXXX XXXX service in Florida. I was a customer of XXXX until the end of XXXX, terminating my service on XX/XX/XXXX. My account was set to auto-bill to my credit card ; therefore the month of XXXX was paid up in advance and there were no issues. Subsequently, I received a bill for services provided in XX/XX/XXXX, with an auto-bill to my credit card for the full amount. I disputed the transaction for XXXX services with my credit card company and successfully had it resolved. 

XXXX then sends me a bill for XXXX services ( 2 full months after I've ended my service with them ). I call their customer service, and they tell me it is normal - it sometimes takes 1-2 months for the billing to clear up, and I should just ignore it. Then I get a past-due notice from XXXX towards the end of XXXX, with same results. Call customer service, they apologize and ask me to ignore it. Now, I get an official debt collection notice from a collection agency being used by XXXX threatening to put a negative item on my credit report ... and I have literally NEVER been late with a payment in my entire life on my credit report. 

XXXX 's practices of continuing to charge customers ( or at least attempting to ) months after the end of service and going as far as sending " unpaid '' bills to debt collection are outrageous and need to be stopped. I'm attaching documentation that shows the same ( if the opportunity is provided later ).
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (OR)

I had an approved requested Cares Act Forbearance Plan with XXXX XXXX XXXX XXXX  that did not get transferred with my loan when they transferred it to Gregory Funding XXXX XX/XX/2022, they said it would take up to 60days to get all documents transferred. I filed an application for Oregon Home Owners Assistance Program, and also filled out loss mitigation papers to avoid foreclosure, The packet was approved today. With a loan payment amount increase of {$360.00} plus an escrow payment due of {$1200.00} in which my escrow account was XXXX balance upon transfer. I would like to know why it wasn't transferred with the loan. GF is asking that escrow account be paid on XX/XX/2022, and a payment of XXXX due 2 days later. Today followed up with a phone call pertaining to the documentation I received today, and they denied that no where on document does it say lender will proceed with foreclosure if payment is not paid promptly. I repeated the section in where that is stated and the rep said thats if you dont make a payment on your new forbearance plan. I though Forbearance is a differed payment.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

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

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2022-04-12
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. (FL)

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXN Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

In early XXXX, 2019 I was advised by my Mortgage Company, XXXX XXXX   that my mortgage had been transferred to Loan Care and that I should make mortgage payments to them in the future. I was advised I had a grace period of 60 days, nonetheless I arranged to pay Loan Care by check on the XXXX of XXXX and XXXX and in XXXX by automatic draft from my checking account.. 
On or about XXXX I received a statement from XXXX that my escrow account, the balance of which was in excess of {$2400.00}, had been transferred to Loan Care. 
On XX/XX/XXXX I was notified by my insurance agent and by my homeowners insurance company, XXXX XXXX, that my premium of {$2300.00} had not been paid and it was going to be cancelled. I calked customer service at Loan Care and  asked why escrow had not paid the premium, the agent told me it was my responsibility to pay the premium. My insurance agent advised to avoid a lapse in coverage I should pay and Loan Care would have to reimburse me. On XX/XX/XXXX I paid by debit card {$2300.00}, my insurance agent faxed a copy of the insurance policy with proof of payment and asked LoanCare Escrow to reimburse me. 
Loan Care advised me the policy did not include windstorm coverage and they were going to purchase that coverage and charge me for it. My insurance agent called and pointed out to Loan Care there WAS windstorm coverage as did I. I, nonetheless received a letter saying windstorm was being purchased. 
I called Loan Care escrow department and explained I needed to be reimbursed {$2300.00}, he got XXXX XXXX on the phone with us, they advised since I had paid the premium first when they later got payment from Loan Care escrow that payment was refunded to Loan Care. The agent advised he would see to it that I was refunded {$2300.00}. That was early in XXXX, I heard nothing thereafter.. 
On XX/XX/XXXX I mailed to Loan Care Escrow Department a letter demanding a refund on the format provided by CFPB It is now.the evenijng of XX/XX/XXXX and i have had no response from Loan Care. 
Please assist me in getting a refund of {$2300.00} that I paid out of pocket for a premium that should have been made from my escrow account which, by the way does NOT show the payment from XXXX XXXX to Loan Care escrow.
Consumer complaint received 2022-05-04
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. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$600.00} Accordance with the fair credit reporting act the following XXXX accounts 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 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

At the time I applied for a Bank of America Platinum Plus credit card I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Is this lawful?