davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ).

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.
Consumer complaint received 2019-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

The original creditor is XXXX XXXX. I open up my account with them on XX/XX/XXXX paying first bill in advance. By the time I receive the next bill I had canceled my acct with them and went to another provider. They sent out my last bill owing XXXX dollars. This was at the beginning of XXXX. The credit bureau is reporting a debt from XX/XX/XXXX for XXXX dollars and charged off. This account shouldnt be charged off. This acct only had a XXXX balance. And its not that old. Plus, the debt collectors never sent me out notice or gave me a chance to pay before putting it on my credit as a charge-off it just doesnt seem fair.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

I subscribe to Experian credit reporting and related services under membership # XXXX. 

Experian offered to improve my Experian credit score under its services marketed by the name of Boost. It required that I link my personal checking account so that it can track my utility bills for timely payments for a period of 3 months. I have linked my checking account and further provided the date, the amount of the payment made to the utility companies. Yet, Experian has been unable to identify these accounts. Specifically, it has failed to deliver on its advertised promise of improving credit score in exchange for gaining access to consumers ' checking accounts. This has adversely resulted in a score differential of 100 points. 

I have attached screenshots from my checking account statements of six months refective of all payments made to the utility company, XXXX XXXX and XXXX ( XXXX & XXXX ).
Consumer complaint received 2020-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (TX)

The company Phoenix Financial Services attempted to contact me on two different occasions, the first time was around XX/XX/XXXX. The collection agent failed to read any mini Miranda or hippa law, and did not even know if he was speaking with the correct person. I began to ask more questions about the call and advised the collector I had filed bankruptcy on XXXX XXXX and that the debt had been included, once the collect was aware He stated He would send out a letter and I could acknowledge via mail. 

On XX/XX/XXXX I received an alert from XXXX that a collections account had been added to my credit report, I contacted the number provided ( XXXX ) XXXX again it was the same collector this time he did verify my information and read the mini Miranda and stated He just wanted to know if I was still refusing to pay. I then advised the individual of the prior conversation in which a collections letter would be sent and I have yet to receive one to my knowledge, and that I had filed bankruptcy and the debt had been included. The collector then stated was the bankruptcy discharged I agreed and advised of the information given prior to the 2nd call. The collector stated we can work this out somehow in payments if I could settle the account being the account was purchased. I advised the collector that I was told the debt could not be collected on once the bankruptcy was discharged, he then stated a few different payment options as I ended the call with a feeling that the company was not able to call or collect on the matter. 
Date opened XX/XX/XXXX First Reported XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection company : Phoenix Financial Services Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau XXXX Experian XXXX and to the Collection Agency " XXXX XXXX '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of XXXX XXXX  account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you.
Consumer complaint received 2020-02-16
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. (WA)

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft 07 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2022-10-12
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2.  Identity Theft XXXX XXXX XXXX XXXXL Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying for over 4 months to resolve this late payment issue status with the three credit bureaus. The Account in question is XXXX XXXX XXXX Account number XXXX. I have no record of being late and have never been late on this account. As of XX/XX/2016, the account is PAID OFF and CLOSED. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

Home Point Financial will not let you modify payments within 5 days of a payment due date or during their " system maintenance '' hours, which are 2 hours per day plus another 6 hours on XXXX. This is almost 1/5 of the month, and for people who can't modify their payments during work, the system is only available to change payments about half the time. I can't imagine what kind of system maintenance would require 20 hours per week to do. This seems like a way to limit when you can modify payments.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

I received a bill from Sequoia Financial Services saying that I owed The City of XXXX {$170.00}, except that I haven't lived in XXXX for over six months and do not have any debts with them. The notice warned me that this would effect my credit, but could not give me any information on what the debt was for. After some research I realized that this is a scam that's effected a lot of people. It looks like they learn a single detail about you ( your doctor, where you live ( d ) ... etc. ) and send you a convincing debt collection letter that gives you just enough information for you to believe it, but not enough information for you to actually know that those debts are for.
Consumer complaint received 2022-10-12
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2020-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

I am currently in a dispute with a new lender who has acknowledge their is an error. My loan has been transferred from XXXX XXXX XXXX with a HELOC that was forgiven along with an idenmification loss note affidavit. Ever since then, I have been trying to get these charges removed by Green Tree, Ditech and now Ditech has sold my loan to a Trustee who purchased my loan. She waited until I was in foreclosure and sold my loan at an auction. I was in XXXX XXXX bankruptcy while disputing with Ditech and my bankruptcy was dismissed in XX/XX/XXXX, I reinstated it but did not get a bk number because attorney stated I needed to have the arrears move from my account which is why I contacted Ditech and XXXX XXXX beginning in XX/XX/XXXX, but they kept transferring me to different dept. which led me to the attorney. However, she is unaware that my note was filed at the county recorder incorrect, the investor is XXXX XXXX, who I tried to get help from and who turned me away because I was in a class action law suit against Ditech Holding for not handling my account correctly. In XXXX of XXXX, I was transferred to XXXX XXXX Bankruptcy Department, then I started receiving statements from XXXX   XXXX who owns the rights to my loan. I contacted XXXX XXXX and they transferred me to Ditech, then Ditech transferred me to the Mortgage Law Attorney 's voice mail who is on the Trustee Sale, an agent for Ditech. 

After faxing my information regarding my error to XXXX XXXX, they said they are not responsible and said that XXXX XXXX. Now XXXX XXXX acknowledges there is an error but after filing a complaint against Ditech on XX/XX/XXXX, I received a letter on XX/XX/XXXX stating they are still investigating, then on XX/XX/XXXX, I got a letter of eviction ; giving me 5 days to vacate which will be XX/XX/XXXX. I have an attorney from  XXXX XXXX XXXX working with my lender to get the numbers and Hud also, so I wanted to file this complaint while my complaint is being reviewed by the attorney, Hud, FTC also has my complaint regarding the manner my house was sold.
Consumer complaint received 2020-02-15
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. (CO)

I set up a consumer account at https : //my.equifax.com/membercenter/ # /login, then logged in. It worked fine for a few minutes, then balked, saying I must log in again. Trying to log in again, the website would not accept my credentials that I had recorded in a text document to make sure I knew exactly what they were. 

So, I went through the password reset procedure, which let me set a new password. Again, the website would not let me log in, saying the password was incorrect ( I'm copy-pasting it to make sure it's exactly correct, and testing the paste buffer in a text file to make sure ). 

I called Equifax 's customer service, whet through the many questions used to authenticate the caller, then described the situation to an agent ( " XXXX '' ). She manually triggered a password reset, which had the Equifax system sent me email with a link to set a new password. I followed that link and set a new password, which was then rejected by the website when I tried to log in with it. 

This process went on multiple times, until later in the day an Equifax customer service agent told me I must fax or mail in documents to prove my address ( driver 's license ) and Social Security number. How that would make a difference, I can't imagine -- such copies are easily faked via XXXX or other software. In any case, Equifax 's website software is severely flawed in this regard, their technical password reset solution doesn't work, and their customer service can't help. 

My main goal here is to control the account such that a criminal can't create or access the account masquerading as me. All I want is access to the account that I set up and logged into this morning. Equifax makes it extremely difficult and time-consuming to attempt to resolve the access issue, and provides no indication that they are capable of resolving it.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

Notice for Proof of Claim Account : CREDIT COLLECTION SERVICE # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.