davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Selene Holdings LLC (FL)

Residence was destroyed & vandalized by squatters. Furthermore the insurance company has not repaired damages. I have requested assistance and repairing residence out of pocket. I have applied for loan modification However the Seleene finance the mortgage service provider has not processing the claim in a timely fashion. Moreover, the loan modification was accepted by XXXX XXXX. Conrqently, the loan was purchased by Seelene Finance which has not accept the modification from XXXX XXXX. Now Seelene Finance stated forcloser proceedings. Please kindly investigate the loan modification being done by Seleene Finance this appears to be Racketeering and predetory lending that am XXXX.
Consumer complaint received 2017-09-08
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. (OR)

Due to gross mishandling of sensitive information and a clear disregard for data security, Equifax was the target of a hack that resulted in the exfiltration of the credit data and profiles of 143 million Americans, myself included.
Equifax failed to protect my data.
Equifax waited six weeks and still failed to notify me of my involvement in the data breach.
Myself and all others affected did not have a choice whether or not our data was held by Equifax. They had a duty to protect that information, and they failed spectacularly.
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. (MO)

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. 

Despite my repeated efforts to dispute these unauthorized inquiries with the credit reporting agencies, the inquiries remain on my credit report, adversely affecting my creditworthiness and financial standing. The persistence of these unknown inquiries is deeply concerning, as they suggest potential unauthorized access to my credit information. 

I have diligently followed all procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these inquiries, providing detailed explanations and supporting documentation to prove their unauthorized nature. However, the credit reporting agencies have failed to take appropriate action to remove these inquiries from my credit report. 

Given the seriousness of this matter and the potential implications for my financial security, I request that you intervene to expedite the removal of these unknown inquiries from my credit report. I urge the credit reporting agencies to conduct a thorough investigation into these inquiries and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of these unauthorized inquiries, including reimbursement for any costs incurred in disputing these inquiries and potential financial losses resulting from unauthorized access to my credit information. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (OK)

I lost my job due to covid. I know as a consumer my rights have been violated by Amirihome Mortgage. The foreclosure process they are attempting to take me through is fraudulent and is illegal according 15 U.S.C 1692e. False or misleading representation states a debt collector may not use False, deceptive, or misleading representation or means in connection with the collection of any debt. I created the document ( NOTE ) which makes me the grantor. In doing so I gave XXXXXXXX XXXX XXXX, XXXX the fidicious duty as trustee. The my promissory note was sold to Amerihome Mortgage. 15 U.S.C 1692e number 4 states The representation or implication that non payment of ANY debt will result in the arrest or imprisonment of any person or the SEIZURE, GARNISHMENT, ATTACHMENT, OR SALE OF ANY PERSON unless such action is lawful. Section 5 the threat of any section CAN NOT Legally be taken. 
Section 6. The false representation or implication that the sale or transfer of any interest in a debt shall cause the CONSUMER to ( a ) lose any claim or defense to payment of the debt or ( b ) become subject to any practice prohibited by this subchapher. I do not owe Amerihome anything this ALLEDGED debt was paid in full when I created the NOTE. They are not the originator or the beneficiary and neither is XXXX. I am the Consumer and I will not allow my rights to be violated.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2017-09-08
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. (CA)

S
tep 1 : What is this complaint about? Regarding recent Equifax security breach. Step 2 : What type of problem are you having? My name/SSN is on the list of potential victims impacted. Step 3 : What happened? Equifax reported " cyberattack '' /security breach. Equifax created website to check if name/SSN is or is not a potential victim. Upon checking my information comes back as potentially impacted. Step 4 : What company is this complaint about? Equifax. Step 5 : Who are the people involved? Myself ( & 143 million Americans ).
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
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. (GA)

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The XXXX and XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-09-08
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)

I 'm writing to complain about Equifax 's egregious security breach that affected myself along with 143 million other Americans. Equifax 's own site confirmed that I was affected by this breach.
The company was aware of the breach but did not notify affected users immediately. Once they did notify the public, they took no immediate action to protect affected users.
Frankly, their whole business is about identity security, and they completely dropped the ball. They should be forced to provide identity fraud protection for every affected user indefinitely. It 's not like I can change my SSN!
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (PA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

This company failed to validated this debt and failed to provide the requested information with in the 30 days. The letter states if they fail to do so with the 30 days all references to this account must be deleted and removed from credit report and a copy of deletion request shall be sent to me immediately.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Beginning XXXX of XXXX, I began to send a round of letters disputing inquiries on my report to all three major credit bureaus because I noticed suspicious inquiries on my report. The replies from TransUnion were all the same and I have provided a copy of the most recent reply letter to me. They also failed to send me a copy of my personal credit report. 

After contacting all of the numbers for the creditors that were reporting and receiving disappointing responses on the matter of the inquiries, I then, called all three credit bureaus on XX/XX/XXXX at their fraud departments because I believed that there may have been someone attempting to use my information to obtain credit, so I initiated 1 ) A credit freeze on all three bureaus and 2 ) A security alert on all three bureaus. I removed the credit freezes and credit alerts since the other two bureaus recognized the validity of my disputes. 

TransUnion, however, was the only bureau that continued to report the incorrect data. They also failed to provide a copy either digitally or via US mail of my credit report and their results. I initiated a final letter which I have attached letting them know once again that they needed to resolve my request because the inquiries were clearly identified as fraudulent and must be corrected. 

In the end, they need to comply and delete these immediately. 

Thank you for your attention on the matter.
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 — Account status incorrect
Company: Capio Partners, LLC (CA)

I received a letter from Asset Care ( Also called Capio Partners ) in XXXX. The letter was addressed to XXXX XXXX XXXX XXXX. I do not have a mailbox at the physical location of XXXX, nor do I get mail at this location. I only get mail to my XXXX XXXX which is XXXX XXXX XXXX. 

I live in a small town and while I eventually received this letter, between the holidays, I didnt actually get this letter till the end of XXXX. 

I have been receiving XXXX XXXX XXXX letters about this debt for years. I have always sent in a debt verification letter at which point I never hear from the collection agency again. I was going to ignore this letter, assuming it was the same old incorrect debt. However, when I logged into my credit report I saw this being reported. Based on that I sent in a debt verification letter on XX/XX/XXXX. I have never heard back from this collection agency. 

I assume this debt is not my debt like the others. I had a debt with XXXX XXXX XXXX from around XXXX which showed up on my credit report, I dont remember the amount. I called the hospital and paid the bill directly in full. The debt stopped showing up on my credit report a few months after I paid the debt in full. I dont recall any other debts with XXXX XXXX , and I especially do not have any unpaid debts. 

In XXXX I started getting collection letters about this debt from XXXX. This debt while similar to mine, is not my debt. And if, which it is not, it was my debt why is it being reported a second time when it was paid. Even if it was not paid why is it being reported with a start date of XX/XX/XXXX when the start date was XX/XX/XXXX and I didnt even receive a letter about this until XX/XX/XXXX? You cant re-report a debt, you cant report a debt twice and you cant report an old debt as new. And again, that all is a moot point because this isnt my debt. 

I would like this debt to stop being reported. I have never received a debt verification letter. They continue to report it on my credit report. And since it appears as a 3-month-old debt it has dropped my credit from XXXX to XXXX. You dont get a credit score of XXXX by not paying debts. This isnt my debt. 

I am attaching all the letters I have gotten, not just Asset Care but asset care if the company in question.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter to XXXX, XXXX and Equifax that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
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. (TN)

i did not consent to or benefit from the following information Transunion, XXXX, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX  Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
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. (FL)

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: 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. (GA)

On XX/XX/2022 I sent a letter to XXXX, Transunion and XXXX that they were reporting incorrect names and addresses on my credit report. TransUnion responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

XXXX mailed my dispute results and removed some names and one address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has one social security number. It seems to me XXXX is allowing fraud. 

The FCRA imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per FCRA, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
Consumer complaint received 2017-09-08
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)

Equifax was hacked on XXXX XXXX 2017 and provided 143 million US people 's information including Social Security numbers, passwords, addresses and date of births. This information could be used for identity theft. It took over 5 weeks and Equifax 's response is a site that is an unsecured wordpress which should not be trusted with confidential information. I can not use that site to find out if my information is now available to criminals, and it 's unacceptable that the information was leaked, it took so long to respond or how they have handled it.
Consumer complaint received 2017-09-08
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. (CO)

Equifax mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

My bill was due on XX/XX/XXXX. I paid 1 day late ( XX/XX/XXXX ). I was charged a late fee of {$39.00} on XX/XX/XXXX. This put me over my credit limit by {$1.00}. I was then charged an overlimit fee of {$39.00}. I think that the law is that they can not charge an overlimit fee that is greater than the amount that is overlimit ( in this case {$1.00} ). This identical issue happened on XX/XX/XXXX. This time the overlimit amount was about {$8.00}.