davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Date:XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Consumer complaint received 2023-06-29
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i was denied a home loan modification by bank of america. they are the loan servicer for XXXX XXXX XXXX XXXX. i had to fill out a separate XXXX XXXX XXXX financials. I am in bankruptcy ch XXXX for the 4th time as the judge allowed it due to a hardship. my son passed away in XX/XX/2017 due to a XXXX XXXX, his 7th and final. My wife found the body. We both have XXXX, but my wife has XXXX. We were asked for a hardship letter describing details, probably focousing in the mental aspect versus the sever monetary issues that developed due to these many issues. 
In the denial letter they stated that my income was not enough to support anything besides a short sale. When i asked them what level they were using, and what level would make it work they said they could NOT provide me that information.
Consumer complaint received 2020-02-08
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. (NC)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (FL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017, XXXX - XX/XX/2017, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

I have an auto loan originally financed through XXXX, which was then sold to Bridgecrest.  Bridgecrest does not provide detailed monthly loan statements on their website nor will they mail out a detailed statement. I have to call them and request a statement every month, then they merely email me a " transaction history '' for the loan which does not break down any of the loan terms. I have no way to verify they are charging interest as agreed upon with the initial loan contract or that they are applying my payments to principle on the simple interest schedule. I feel very insecure about this process and wish the information for my loan was provided to me in a detailed statement monthly. This is the first auto loan I have ever had that withheld information from the consumer in such a way.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information on my credit Report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies listed in my pdf
Consumer complaint received 2019-10-09
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of  the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (NV)

I appreciate the effort made to address some of the fraudulent items in my file stemming from an alleged identity theft. However, there are still unresolved items that require attention. This marks my third complaint regarding being a victim of identity theft, and I have diligently submitted disputes for the inquiries and inaccurate information resulting from this crime. The items I am disputing do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized. I urge you to remove the reporting of these inquiries from my credit file, as they are the result of alleged identity theft : EXPERIAN : 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 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 These items are unknown to me, and I have doubts about their accuracy, especially considering that similar information has been deleted from other bureaus. Additionally, the reported history dates on these inquiries are unclear to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to take action promptly to address these discrepancies.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I ALREADY PAID OFF MY CARD FROM CAPITAL ONE SINCE XX/XX/2019 AND TRIED CLOSING THE CARD. HOWEVER, THE COMPANY HAS BEEN SITTING ON A DISPUTE THAT HAS LONG BEEN SETTLED BY A THIRD PARTY-XXXX   XXXX. CAPITOL ONE CONTINUES TO CHARGE INTEREST CHARGES AND I AM AFRAID THAT SINCE THEY ARE NOT GIVING ME A TIME FRAME TO CLOSE THE DISPUTE, I MIGHT END UP BEING CHARGE AN ANNUAL FEE OR ANY FEES ASSOCIATED TO THE CARD.
Consumer complaint received 2019-06-24
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)

Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!
Consumer complaint received 2019-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I had make my full mortgage payment in of {$1000.00} in two separate transactions of {$670.00} and {$370.00} from two different banking accounts. My mortgage servicing company Amerihome mortgage returned my payment of {$370.00} and said they will not accept a short payment. I made one payment for {$670.00} from one account on XXXX and a payment for {$370.00} from the other account on XXXX to meet my mortgage payment amount of {$1000.00}. Amerihome mortgage returned my payment of {$370.00} on XXXX. I resubmitted my payment for {$370.00} on XXXX and the Amerihome customer service representative. I am XXXX XXXX in the military and was unable to call due to being out of the country until Sunday, XXXX. I have discussed the situation with Amerihome Supervisor and all of my payments have been returned. Amerihome mortgage 's formal or informal policy is that they will not process payments in two separate transactions. I am unaware if I signed an agreement that states that I can not meet my monthly mortgage payment obligation in two separate transactions. I am sure that I am not the only mortgage customer in this situation attempting to meet my payment obligation and my payments being returned by the mortgage servicer because it is inconvenient for their accounting systems.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Reported to XXXX several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit report.
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (CT)

Equifax affirmed a collection account from XXXX XXXX XXXX ( XXXX ) for an XXXX XXXX XXXX credit card on a dispute filed on XXXX XX/XX/XXXX. This account is now over seven years since the date of first delinquency ( XX/XX/XXXX ) and is illegally being reported by XXXX. This accounted was appropriately deleted by XXXX. 

I have attached some notices of the first delinquency from XXXX XXXX XXXX.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (CA)

On XX/XX/XXXX, XXXX XXXX of State Recovery Systems, XXXX, left a message on my cell with a reference #, when I returned the call on XX/XX/XXXX, and asked what creditor they represented, Mile stated he needed further verification, and asked if he had the correct address on file ( which he did ). Given the fact that I had my email hacked recently, I said I would not offer any information, nor confirm my address. I asked hime to please give me access to their website/portal so I may see for myself. He gave me the reference number mentioned in the voicemail, and issued a pin. 

When I went online, https : //www.statesrecovery.com/, and input the the reference # and pin # it states I have a balance of {$290.00} and had my correct address HOWEVER no creditor was identified, only a way to make a payment. Given the fact that my address is correct, and in my experience, creditors try to reach you via mail first, AND I have yet to receive any outstanding bills, AND know I don't have any outstanding debts, I thought it seemed fishy.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating
Consumer complaint received 2019-06-24
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I notified Equifax regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX  XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that Equifax maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to Equifax regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with XXXX   removing inaccurate reporting on my credit report company XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with BBB.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern I pull a copy of my credit report after I was denied credit. I found out that I had alot of hard inquires that I didn't do as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX twice, XXXX XXXX XXXXXX/XX/XXXX twice, XXXX XXXX XX/XX/XXXX. 

I also filed a complaint which I have attached to my claim.
Consumer complaint received 2019-04-18
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. (GA)

I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

According to XXXX XXXX ( Original Lender ) our mortgage account was sold to XXXX XXXX and in turn sold to Rushmore Loan Services on XX/XX/XXXX. All servicer 's without exceptions violated Federal Rule 1024.33 ( a ), 1024.33 ( b ) ( 3 ).  We have NOTreceive notices from any of the above servicer 's regarding the transfer among the different lenders. XXXX XXXX does not exist any longer therefore took us years to here from XXXX XXXX, and was told the loan was sold to XXXX XXXX. The company stated that the loan was sold to Rushmore since XX/XX/XXXX. Sometime on or before XX/XX/XXXX, I contacted Rushmore and convey that had yet to receive notices of transfer and mentioned the Federal Rules .These notices must be sent to the PROPERTY ADDRESS PURSUANT TO THE ABOVE MENTIONED FEDERAL RULES. Few weeks later after our phone conversation the servicer tried to cover their error by sending mortgage statements. The servicer acquired our loan on XX/XX/XXXX, yet failed to send notices of transfer, nor provided with notices in regards to being the new servicer, Nor statement until XX/XX/XXXX. The servicer wasted valuable time while we could have applied for a loan modification years ago. It appears on its face that Rushmore does not follow Federal Servicing Rules or have any respect for the above mentioned Federal Rules. At this juncture we want to retain our property and are interested in home retention. We have provided Rushmore with a loan modification request.