davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
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)

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXX, Equifax, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX  and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, XXXX and Equifax state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Consumer complaint received 2023-04-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today 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 following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, }.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

I am a XXXX year old woman trying to take care of myself with my properties and Shellpoint has taken advantage of me and is trying to steal my source of income from me! I am very concerned with the actions of this company, Shellpoint Mortgage ... I have a sale date in 2 days, XX/XX/XXXX, and my new documents have all been received but the underwriters continue to ask for silly things, like the date over each column on my Profit and Loss Statement isn't enough, it needs to be at the top of the page also and must read " XX/XX/XXXX to XX/XX/XXXX '' .... each column had the date written in this order but this bothered them. Many, many questions of clarifications like this yet the last review Shellpoint added 3 properties I didn't own, added mortgage amount that weren't correct etc. Dual tracking is alive and well with Shellpoint and their " new '' ( old really ) Trustee XXXX XXXX   who are really XXXX XXXX XXXX XXXX XXXX XXXX/ same crooked company that has been under many different names as they've been shut down!!! I've seen them all, XXXX, XXXX, etc ... .I know that my property qualifies for a modification as I have had 4 other modified yet Shellpoint  is XXXX bent on stealing my property in 2 days! As per their own calculations provided to me for qualification for their modification, I should be given a modification yet so far they tell me they are going through with the sale. This leads me to believe that they possibly don't own the loan or they would be interested in modification. I have many disputes unanswered including a qualified written request unanswered, yet they walk over these state and federal laws as well. I am asking that these Federal Agencies paid by taxpayers dollars hold these companies accountable to the law of the land and stop robbing the american homeowners ... .enough is enough! I am demanding that this sale date be cancelled and a rightful, qualified modification be issued along with the requested documents for review by my legal team. I have asked for an appointment to view the wet ink signed Note and Deed that they are claiming they have in their possession as legal standing to modify my loan and service it, i.e. the Assignments and Substitution of Trustee recorded documents, yet no valid documents nor appointments have been offered to date ....
Consumer complaint received 2023-04-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-18
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance -.
Consumer complaint received 2023-01-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I purchased a vehicle with XXXX in XXXX of XXXX with an extremely high interest rate and confusing payments. They said it had no accidents but it had been and the entire bumper is offset and the paint has spidered in several areas. Basically a lemon. I made all my payments on time until Covid and I owned a XXXX XXXX. I worked out an arrangement with them and contacted them regularly to explain everytime I had to shut down. They werent supposed to be charging late fees or high interest during this time. But this actually loan was never on my credit report until recently. I was rushed to the hospital in XXXX of XXXX where I was told I wasnt going to make it. I spent a month XXXX  with XXXX then caught XXXX. Sent home with a XXXX line on home health still making payments as I could and emailing them of my situation. I was hospitalized again in XXXX then in XXXX with the same things and ended up missing 4 months of work. They emailed called texted all day everyday sent threatening emails knowing I was in the hospital and had no way to do anything. Fast forward to XXXX where I had been desperately trying to work even though I was told not too just to pay my bills and get them off of me. I was paying almost weekly and as often as I could. I had a payment arrangement set up and on XX/XX/XXXX without warning or notice or affidavit filed with the DMV they sent a man onto my property to take the car with my purse medications money and car seat and we were home. No note or knock on the door. I tried to call but they said I had to call back during business hours it was a holiday. I had to cancel my appointments for the next day and go a night without vital medications not knowing where my car was. The next day I was told I had to pay XXXX to get back a car I was making payments on. At their mercy I paid this got the car back but was blocked from the portal or seeing any of the info that was there. They debuted the wrong account and blamed me for it and took the car over that payment. Then charged it off on my credit report but I still have the loan and the car and everything they stated on my report is not factual. It was never on my report until they did this shady deal. Now Im stuck and cant do anything. This company scams people all the time then locks you out of seeing your account info. How can you charge off a vehicle take it without notice or filing an affidavit but make them pay to get it back and you still have the same loan company XXXX. Something has to be done especially because I was working with them and notifying them of everything.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2019 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX BANK ACCOUNT XXXX Dear Midland Credit Management I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 

Also I sent out Certified mail receipt On XX/XX/2019 not sure if the post office is on strike there or Guys have a bad address listed per the Tracking # XXXX XXXX XXXX XXXX XXXX is why I reached out via this site because I dont have time to get another letter to you in time. 

Thanks,
Consumer complaint received 2023-08-22
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00}
Consumer complaint received 2019-06-12
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. (MI)

I filed a complaint with CFPB regarding XXXX XXXX claiming I owe money for a company ( XXXX XXXX ) that does not exist. XXXX XXXX responded to my compliant stating the company does not exist but that I still owe money. I even mailed out a validation letter to XXXX XXXX and they sent me an itemized statement that their company drafted up which is not proper validation. I sent my CFPB report with XXXX XXXX response and a copy of the itemized statement to Equifax. In my letter to Equifax I requested that XXXX XXXX be deleted form my credit report since they failed to provide proper validation and the alleged original creditor does not exist. Instead of them deleting XXXX XXXX, they used a STALL TACTIC and sent over my complaint to another collector called XXXX XXXX XXXX and XXXX sent me paperwork to fill out regarding the identity theft. XXXX XXXX has committed identity theft and fraud because I have no ideal who they or the original creditor is and Ive never done business with them or the original creditor and XXXX XXXX is reporting false information to Equifax. I want them immediately erased from my credit report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with XXXX XXXX, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. 

Failure to address this complaint adequately may compel me to explore legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and your commitment to resolving it in a timely and satisfactory manner. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : XXXX.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (OH)

I have an elderly Client, on a fixed income and currently is upside down on her 2 Mortgages. I worked very hard to obtain a fair and reasonable offer of {$290000.00} which was based off condition and location. After weeks of obtaining requested Estimates per 1st Lien Holder Shell Point, the estimates where sent in equaling well over {$240000.00}. Now to be told the Investor of XXXX does not look at condition or location for current market value, they look at the Asset. My Client and myself have now received a rejected Offer to Purchase, and have been required to re-list my Client 's home at a much higher price then it would ever sell for of {$420000.00}, and enforcing a Deed and Lieu of Foreclosure, and still owing the deficiency is uncertain. It was clearly stated to me by Shell Point 's Associate that XXXX will then renovate the property and return the property to the active market after the deed n Lieu is established. This type of act is clearly keeping our housing market and assisting in spawning our Communities housing Crisis. Allowing such Investor 's to entrap these Borrower 's into a Deed in Lieu leaving them homeless and owing who knows how much money after the fact, is a far cry from Helping our Homeowner 's in financial distress. This is Consumer abuse at so many levels. Where XXXX dollars in profit is being made at the expense of the Consumer 's in financial misfortune, and have NO Assets to go to. No other options have been provided to my Client, and the phone calls just keep coming in from Shell Point trying to enforce the Deed in lieu, prior to a Sheriff Sale on XXXX XXXX 2017, enforced by XXXX XXXX XXXX who was the former servicer of my Client 's Loan prior to Shell Point. My Client has tried to do the right thing, sell the property. After being told originally from XXXX XXXX XXXX, to stop making her monthly mortgage payments, she received an accepted modification from XXXX lowering her payment by {$300.00}, to only know the Borrower could not afford those payments either, now the financial road just caved in even more, leaving her not able to make the payments, or make up the past due payments she was told to stop paying. The Average Consumer, does not know the Mortgage guidelines of these so called Assistant Programs. At this time my Client prays for a workable solution, based off this information provided.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

There are XXXX judgements on my report that is not mine. They are on the Experian credit report and they are in name only without my social security number. These judgements are not mine and belong to another XXXX XXXX. My name is spelled XXXX XXXX, they do not even have the correct spelling. I have contacted a lawyer and he explained what they are doing which goes against the protection of consumers. I have attached the XXXX files.
Consumer complaint received 2023-08-22
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. (AR)

I am sending this follow up CFPB complaint today to inform you again that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : {$640.00}.