davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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 Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

I requested that they stop calling on XX/XX/XXXX and they hung up. They called on XX/XX/XXXX and I hung up. They called on XX/XX/XXXX and I told the rep that the law is that they can't call me if I tell them not to call. I told them if they have a debt to collect that they have to do it through the court system. She was completely unaware of the law and firmly believed that she could continue to call. She wouldn't understand it so I said not to call and I hung up. They called again on XX/XX/XXXX and I didn't answer.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I applied for refinancing ( with cash-out ) of an existing mortgage that I had held for 15 years ( of which 12 were with Chase ) in XXXX and was rejected because " Chase 's lending guidelines only allow up to 75 % of LTV.. '' This seemed to me odd since, to my mind, I had a 30-year mortgage and I had never missed a payment and the value of my property had not in any way declined. On further enquiry it emerged that Chase had in its possession a Loan Modification Agreement that I had never seen ( but was supposedly signed by me ), on a day that was 3 weeks into my 8 week hospitalization in intensive care, was not notarized, was not witnessed by anyone who was identifiable, but extended the maturity date of the original loan by 12 years while reducing the monthly interest and principal payments by a whopping XXXX cents a month or XXXX cents a year. The original mortgage was a XXXX loan that Chase acquired in XXXX and it had a rate and payment caps meaning that it was a negative amortization loan. These loans were apparently banned for homeowners by Dodd-Frank in XXXX thus the need to " modify the loans '' to enable Chase to continue service them. Chase 's response to my complaints has been curt : Chase does not require notarization for loan modification agreements and the " signature on the loan modification agreement appears to match those on the original loan document. '' I feel totally helpless because Chase chose to " waive '' notarization of the Loan Modification Agreement which would have been the only way that both lender and borrower could prove that they entered into this agreement willingly and knowingly.
Consumer complaint received 2019-04-25
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. (AZ)

There are two XXXX XXXX?? credit cards on my account shown and one of them are in good standing, and XXXX is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account XXXX XXXX Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

XXXX XXXX XXXX {$10000.00} Opened XXXX
Consumer complaint received 2019-04-25
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. (SC)

I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my XXXX report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally address the ongoing issue concerning fraudulent items persisting in my credit file despite multiple attempts to have them removed. Despite my consistent efforts to provide evidence and documentation proving the fraudulent nature of these entries, they continue to negatively impact my creditworthiness and financial standing. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit file. Each time, I have provided extensive evidence, including but not limited to affidavits, police reports, and any other relevant documentation, to support my claims. Despite these efforts, the fraudulent items persist, casting doubt on the accuracy and reliability of my credit report. 

The presence of these fraudulent items has had serious repercussions on my financial well-being. Not only have they unfairly tarnished my credit history, but they have also led to difficulties in obtaining credit, securing loans, and accessing financial services. Furthermore, the continued presence of these items has caused significant emotional distress and frustration. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The fraudulent items be thoroughly investigated and promptly removed from my credit file. 
XXXX and transparent communication be provided regarding the steps taken to address my dispute and the reasons for the continued presence of these items. 
Measures be implemented to prevent similar fraudulent items from appearing on my credit file in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
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. (SC)

I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my Equifax report.
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

The lender changed closing dates and times twice and did not communicate with closing company. They cost parties money by doing this. When getting confronted about closing changes they stopped a close date again. At closing the package that was emailed over was full of errors. Thankfully XXXX XXXX were able to find errors and fix. The closing was set for XXXX. By the time the lender sent over correct paperwork it was XXXX XXXX. All parties waited. Completely unprofessional.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc. (TX)

XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. XXXX XXXX XXXX is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/29 who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

My money was removed from my bank account from debt collector saying I owed for a credit card that I never applied for, they freezed my bank account, and took my money out my account that I received from workers compensation, I told them I have not applied for any credit cards don't know if some one else used my info but it wasn't me, check my account again today and money from my paycheck has been removed! Got a letter from my bank saying my account was levy they freezed XXXX then today it's another {$300.00} taken out my account!! I don't owe money too any credit card company how do I get my money back and how do I sue these people! I have bills, rent, car notes too pay and there taking my money! This was on XX/XX/2019 the amount of money was {$2100.00}, the company Midland Funding LLC
Consumer complaint received 2023-03-24
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. And I want these accounts Removed from my Credit Report. 

1- XXXX (  CLOSED ), Acct Number XXXX XXXX  Reported Balance {$5900.00}. 
Date Opened XX/XX/XXXX. 
2-XXXXXXXX XXXX ( CLOSED ), Acct Number XXXX XXXX Reported Balance {$3400.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF 3-XXXX ( CLOSED ), Acct. Number XXXX XXXX Reported Balance {$14000.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF 4-XXXX - XXXX XXXX ( CLOSED ) Acct. Number XXXX XXXXXXXX Reported Balance {$6000.00} Date Opened XXXX XXXX, XXXX. Account Status CHARGE_OFF 5-XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX. 
6-XXXX - XXXXXXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$26000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX 7XXXX XXXX XXXX XXXX XXXXXXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$19000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
8-XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$2100.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
9-XXXX XXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$5800.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX, Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 

These accounts in my report 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 2019-04-25
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: EQUIFAX, INC. (NM)

Equifax is the toughest of the 3 reporting agencies to deal with. They make it difficult to access your credit report, They ask vague questions on the identity verifier, they come up with excuses when you call in to get help. I try to login to check dispute status and it says unavailable. I tried to get early exclusion and got multiple run arounds all telling me different things. I have tried to correct information and have been unable to get accurate information posted and can only verify certain info through credit karma and not anywhere else. 

Equifax needs to be more consumer friendly.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a pre-qualification auto from XXXX XXXX and went a dealership with it and with the preselected vehicle through XXXX XXXX 's website. Upon arriving at the dealership ( XXXX XXXX ), I talked to a salesman, test drove the vehicle and everything. I was not able to leave the dealership with the vehicle that day for some reason with the vehicle and my approval for the auto loan. But I was already approved to purchase through XXXX XXXX. The Manager of Financing wanted to speak with me. While talking with him, I feel as though he was pressuring me to fill out paperwork to look for better interest rates. I filled said paperwork and was called back a few days later, and was told that the said dealership wouldn't be able to offer anything better than I already had approved. Everything was processed and received my vehicle. Later, I started receiving mail from all of these creditors stating that I was denied credit. I've tried reaching to these creditors to get the information as to how and when I gave them permission to run a credit inquiry on my behalf. They all have mailed back saying that it was all verified with that dealership. It's really brought down my credit and I've been fighting this for quite some time now.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SunTrust Mortgage Bank Loan number : XXXX Tracking number : XXXX Case Number : XXXX XXXX Homeowners Insurance Policy Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wind Policy Number : XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Issue : Scheduling a 50 % Inspection the lease on my rental house expires on XX/XX/XXXX. I was evacuated from hurricane Florence. My house had over {$350000.00} of damage and is currently not inhabitable. My immediate need is to have an inspection to collect insurance monies for work completed so my contractor will continue to rebuild my house. I have no place to live after XX/XX/XXXX so timing is critical. I discussed this issue several times with Suntrust with no understanding or effort on their part to correct this problem. I originally called for a 50 % inspection on XXXX/XXXX/XXXX. I followed up after 5 working days on XX/XX/XXXX. I called a third time on XX/XX/XXXX. I called a fourth time on XX/XX/XXXX and a fifth time on XX/XX/XXXX. I was told an inspector called me on Friday, but I have no records on my phone of any type of call. As of XX/XX/XXXX, no inspector has contacted me. This represents a time period of 18 days. SunTrust states that an inspector will contact me within 5 business days after I request an inspection. What is the issue? As of XX/XX/XXXX, no inspector has contacted me. 

Regards, XXXX XXXX
Consumer complaint received 2019-04-25
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: AmeriCollect (FL)

In XX/XX/XXXX, I disputed with Americollect regarding a derogatory entry they are reporting on my credit reports. In my letter to them, see attached, I specifically stated that I was disputed their claim and that validation was requested. I further requested that the provide me an agreement that stated their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have received no correspondence from Americollect. My certified tracking receipt, ( see attached ) ; XXXX was received by Americollect on XX/XX/XXXX at XXXX XXXX Americollect has had 51 days to provide a response to me and have yet to respond to me. Per consumer law, a company must respond within 30 days to a dispute. Since Americollect continues to report this inaccurate entry to each of the bureaus ( see credit report ) and has blatantly failed to respond to my dispute, they are violating my consumer rights and further impacting my creditworthiness. This entry must be DELETED immediately. Further, I would like a copy of the correspondence sent to the bureaus to remove this entry from my reports.
Consumer complaint received 2019-04-25
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. (NC)

Equifax is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.