davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

To whom it may concern, I applied for a VA refinance through my current mortgage lender " Freedom Mortgage '' XX/XX/2022 ; The lender point of contact was XXXX. I paid for an appraisal as requested but an appraisal was never performed nor was it refunded back to me when they closed the loan process. I tried many times to retrieve my refund through their customer service. they gave me the run around and said a refund would be issued but the last contact I had with them they said it could not be processed. Services were never rendered to include loan never completed.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-09-01
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-01
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. (FL)

XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX - XXXX Fraudulent account
Consumer complaint received 2022-02-24
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. (DE)

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Consumer complaint received 2022-09-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (SC)

To whom it may concern, I recently received my credit report from XXXX, Equifax, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law.

- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report.

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n.

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights.

Best Regards,
Consumer complaint received 2022-09-01
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WI)

I opened a Citibank checking account on XX/XX/2022 with the promotion attached to the account where I would receive a {$400.00} sign up bonus if I deposited {$15000.00} in the account within 20 days of opening the account and keep the {$15000.00} in the account for 60 days. I met these requirements and after I was supposed to have received the bonus they kept telling me that they were working on it. XXXX  days after I opened my account they closed the account without giving me the bonus and now they claim I can't get the bonus because my account is closed. They owe me this promotional {$400.00} as I met the terms. They closed my account so they wouldn't have to give me the bonus.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

The complaint I have is with Comenity Bank, over the last three months I have requested validation on multiple occasions for debts that are listed on all three of my credit reports. I have been asking for validation of the debt, as well as evidence bearing my signature that shows I have a contractual obligation to pay Comenity Bank. I have not received any of the information that I have requested, and the negative tradelines are still listed on my credit report from all three credit reporting bureaus. 

Please HELP!!
Consumer complaint received 2022-09-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have sent validation letters for debt attached to my name to Capital One ( cabelas ) XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I have sent validation letters for debt attached to my name to XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  ) and JP Morgan chase Bank. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NH)

On XX/XX/25 I requested a refund of {$6100.00} on my loan and was told it would take over 150 days to begin processing the request! That is unacceptable, the money is supposed to be readily available to customers under the Covid relief plan.
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Evening!! I currently have an OPEN DISPUTE with TRANS UNION LLC! This is the second time since XXXX I have had issues with Trans Union! I am currently disputing false and inaccurate information on my credit report and I have mailed off multiple letters! These people have constantly been sending me the same letter over and over! Stating they need more identification to confirm who I am. I send my Drivers Licenses, Proof Of Mail, & the mail is an Utility bill! Also I send off my SS card! Everything in 4K clear! This is OUTRAGEOUS! I DO NOT have to legally tell you that I have hired a credit repair company that is not your business. I am highly upset at this matter and I demand to have this taken care of immediately! I will be following up with legal advice upon this matter. Proof is provided below! XX/XX/XXXX! I would put my OPEN complaint in this but Im sure you guys can find it. These Credit Bureaus do not care about our consumer rights & this is 100 % Recorded TRUTH!
Consumer complaint received 2017-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I was diagnosed with XXXX XXXX in XX/XX/XXXX, I had to have XXXX. I fell behind on my mortgage with XXXX XXXX. I was out of work, recovering from XXXX and XXXX, in til late XX/XX/XXXX into XX/XX/XXXX. I applied for a loan modification and was denied, even though I am receiving Social security XXXX. I applied for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX, and they accepted my application and agreed to pay Ocwen {$50000.00} which they rejected because my outstanding balance was over that amount. At the same time they denied my loan modification even though I make more than sufficient money monthly. I contacted Ocwen on XX/XX/XXXX an ask why was the $ XXXX from NJ housing rejected and they did give me a loan modification, but wanted me to pay over {$57000.00} to save my house. I am waiting to hear back from Ocwen escalations to see If they would accept the {$5000.00} from NJ housing Authority, minus their fees with turns out to be {$50.00}, 300 plus at the end of XX/XX/XXXX. I suggested to them that I will pay the difference between the $ XXXX and the XXXX XXXX dollars an continue to pay the mortgage in XX/XX/XXXX. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-31
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. (MD)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-31
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. (OH)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerious times. I Demand this account XXXX XXXX XXXX to be removed because.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to Furnish that Account
Consumer complaint received 2022-08-31
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. (IN)

Experian has refused to remove a cleared medical debt ( collection ) from my credit report. The cleared medical debt collection is with a 3rd party company named XXXX XXXX for original creditor XXXX XXXX XXXX in the year XXXX report. Both XXXX and XXXX removed the cleared medical debt collection account a long time ago. I have disputed the cleared medical collection account with Experian and even filed a complaint with the CFPB complaint number XXXX. Experian responded to my complaint that they verified the cleared medical debt with the data furnisher and the account will remain on my credit report. Experian did not need to send the dispute to the data furnisher as it was Experian 's responsibility to remove the cleared medial debt from my credit report. I have attached a page from Experians own website that clearly states " all cleared medical debt was to be removed from credit reports in XXXX of XXXX. ''
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-31
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. (IL)

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. 
Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. 
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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It has been and on-going issue with XXXX, XXXX and Transunion as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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 2024-02-14
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: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.