davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2022-05-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Further to Rushmore Loan Management Services response letter dated XX/XX/2022 ( attached - 3 ), Rushmore Loan Management Services claimed that I did own or short pay for the payoff funds for {$160.00} as of XX/XX/2022, total payoff due {$200000.00} which is incorrect and misleading. 

According to your instruction/ payoff letter dated XX/XX/2022 ( attached -2 ), it has been stated clearly that Through XX/XX/2022, the required payoff amount is {$200000.00}, based on the instruction, I have been settled and full paid on XX/XX/2022 by TT payment before the deadline ( i.e XXXX XXXX, XXXX  ). ( attached-1 ) As the professional and reputation of the loan management company, ensure all the data is correct, and please make sure to provide the correct information. 

If there is an overpayment due, the refund will be issued to XXXX XXXX, at XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX Transunion, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ), are violating my consumer rights.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX XXXX, Equifax, 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. ), are violating my consumer rights.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-18
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2022-03-23
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)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX  XXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( XXXX  ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2022-03-23
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. (OH)

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.
Consumer complaint received 2022-03-23
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. (OH)

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JMAC LENDING INCORPORATED (CA)

I received notification that my Mortgage payment would increase because of taxes and speculated insurance premiums. I was given the amount of {$180.00} to pay to escrow to keep my payment the same. The additional escrow payment was received by JMAC Lending on XXXX My payment did not return to the previous monthly installment. I called on XX/XX/16 to find out why and I was told that they projected that my insurance will increase so they could not return my monthly payment to the previous amount. They calculated the XXXX I sent the XXXX in good faith and fair dealing to keep my monthly mortgage payment at the lower amount. They neglected their responsibility to return my payment to the lower amount and did not have a decent explanation of why they quoted an amount and I sent the amount but they still did not lower the payment. 
XXXX XXXX XXXX  : The lender does not provide you with accurate or complete account statements for escrow. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe. 
Over-collecting through accounts designed for taxes and insurance
Consumer complaint received 2022-03-23
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. (NJ)

I have the below inquiries on my credit report. I tried for seceral months to get these removed from all 3 credit bureasu and I keep getting the run around. I did not sign for any of these inquiries XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (UT)

XXXX XXXX has " Zero '' Integrity and needs to be investigated on their business practices and their applications FAIL to disclose they can and will pull any of the 100 or so Credit reporting application to extend credit for on of their STORE cards. This PRACTICE is not being PRACTICED by any other LENDER NOT MAJOR CREDITOR. This is an illegitame scheme to deny credit to those like me who have been Purposely Black listed for no reason. A few years ago my IDENTITY was stolen and filed many fraud alerts with XXXX XXXX and since then trying to get any personal credit with them has been BLOCKED. My FICO score pulled for their XXXX XXXX store card was FICO XXXX XXXX from XXXX. XXXX XXXX a major bank much prestigious and harder to get APPROVED used the same scores to APPROVE 4 lines of credit. XXXX XXXX pulled a FICO score 0f XXXX, but denied my a store card for XXXX XXXX having a security freeze. Account protection requested I open XXXX XXXX and then later stated they did n't need XXXX XXXX and for me to reopen XXXX multiple times. Then this letter stated they denied me for too many " Excessive INQ ''. They are the only company thats been requesting me to open XXXX multiple times. This is simply BAD BUSINESS! Account Protection stated they would remove XXXX INQ, but why? Because they obviously see there clearly is discrepancies in their handling of this application. No creditor willfully removes INQ unless they are guilty of doing bad business.
Consumer complaint received 2022-03-23
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. (SC)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # 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 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

My wife and I are behind of payments, and we try to pay split but the mortgage company is not accepting split payments anymore because there is XXXX behind payments that we couldn't pay. this situation is happening because we got covid and both of us couldn't work. so right now we own {$15000.00} dollars to the mortgage company, we needs some help because we can lose our home, and we don't want that happen. we didn't know about this federal application that the government could help us.
Consumer complaint received 2022-12-16
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. (PA)

I am a victim of identity theft. attached is my ftc report, social security card, state id and utility bill My identity has been stolen. 

Unauthorized Accounts/ collections have been fraudulently used in my name. This is wrong. 

block and remove these accounts/collections/charge offs XXXX. Experian Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experianXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have contacted FedLoan servicing repeatedly regarding 19 payments that were made towards my Public Service Loan forgiveness count. These payments were made on time and during a income contingent payment plan prior to COVID and during a time period from XXXX. Somehow during the transfer of the loan to different servicer the payments that were made are now listed as being made during a forbearance or grace period and DO NOT COUNT. These 19 payments were not made during forbearance. Honestly if I was in a forbearance why would I be paying approximately {$600.00} a month towards the loans in question. I have requested the forbearance be removed. I have disputed the accuracy of the payment count. I receive random generic emails with form letters stating my request is denied. I can not reach a person by phone or online. Please provide assistance with this payment count and review of my student loans. I have included copies of the denials and today 's additional requests. While recognizing that everyone is understaffed and busy, there is not any ability to contact anyone to resolve this error, which is unacceptable.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

We applied for a hardship program during COVID, to our Mortgage Lender, and were told that we qualified for the forbearance program, We accepted the terms we were told over the phone, which was that all payments would be deferred to the end of or mortgage life. After the 6 months, the company even called again and offered to extend the hardship program. So, again, clarifying that the terms were still the same that the payments not being made would be added on to the back end of our original mortgage terms. 

We NEVER missed ONE PAYMENT before we agreed to this hardship program, and once the program reached its final date, we have NOT MISSED a PAYMENT since. In this last year, we have not received one notification, or one note on our existing monthly bill that we are delinquent on our payments. Until a month ago, we were contacted that we owed the 10 months that had been missed during the hardship back IMMEDIATELY in FULL or we were going to be placed in foreclosure. We have not been able to get a straight answer about how to proceed, we have not been given a payment option or given the original stipulations that were FULLY explained by a person over the phone, not ONCE, but both times we " DEFERRED ''. This would have been in the spring of XXXX, I will have to research the dates to be exact. But we are JUST NOW, in XXXX being told for the past year that we have owed for 10 missed months and facing foreclosure. Mind you, have not missed one payment since the program ended. This is horrific.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The state of New Jersey issued me a card from Bank of America for my temporary XXXX payments. The local branch has a known broken cash advance system and refuses to do anything about it. My bank branches often cant get through to the cash advance system to access my money. I can not pay my mortgage with a bank card or my other bills for that matter. If Bank of America cant support the nj XXXX payments they should t be handling it. Peoples live or severely and negatively impacted by their lack of care and lack of ability to support their own system. Bank of America on XXXX XXXX in XXXX New Jersey should be shut down!
Consumer complaint received 2022-03-23
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)

To Whom It May Concern : I recently received a copy of my ( XXXX, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-10-27
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-10-13
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. (NV)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX,
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

THIS COMPANY HAS FAILED TO FIX MY RESTRICTION I GAVE THEM A UTILITY BILL AND MY FRONT AMD BACK OF ID AND THEY ARE STILL REQUESTING OTHER CONFIDENTIAL INFORMATION THAT I FEEL THAT IS NOT SAFE THIS COMPANY HAS ALREADY HAD A DATA BREACH AND THEY CONTINUOUSLY ASK FOR OTHER CONFIDENTIAL INFORMATION AFTER ISSUING THE CARD WHY NOT ASK FOR THIS INFORMATION BEFORE ISSUING ME A CARD ALSO THIS COMPANY HAS BEEN SUED FOR THE XXXX XXXX DOLLAR DATA BREACH I WOULD LIKE THIS COMPANY TO FIX MY ACCOUNT ALSO THEY WANT ME TO MAKE A PAYMENT WHEN MY ACCOUNT IS RESTRICTED BUT I CANT USE IT I FEEL LIKE THIS COMPANY IS SELLING US CITIZENS INFORMATION TOO THIRD PARTIES