davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (AZ)

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were 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 is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : AM XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
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: Southwest Credit Systems, L.P. (MD)

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


SOUTHWEST CREDIT, ****XXXX XXXX***, XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Consumer complaint received 2022-05-13
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. (LA)

I have disputed several accounts with Transunion numerous times due to the accounts being fraudulent. I have attached a copy of dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. If an automated system is used for verification I DO NOT CONSENT to this method and request for deletion of these fraudulent accounts. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft.

( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (PA)

This account was open XX/XX/XXXX I paid the amount I owed for a deletions off my report on XX/XX/XXXX. After that they still reported my account as a collection so I disputed the account on XX/XX/XXXX saying its inaccurate. The response was on XX/XX/XXXX
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (NY)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to request an unauthorized credit inquiry to be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. It is as follows. 
XXXX XX/XX/2022
Consumer complaint received 2022-05-13
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report.

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable.

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during. 
A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX???? 

-Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change. 
-Payment of XXXX where was monies applied too? 
-Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''
Consumer complaint received 2022-05-13
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 to the Fair Credit Reporting Act and XXXX account number- XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating American Express recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IA)

I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, if I pay XXXX dollars for a BPO they can then show I 'm not really at the 80 % value they want AND they are trying to advise it 's the Government that is making this decision when it is their choice. This is unfair and deceptive practice.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these Items ( A ). It is not permissible to fail to delete these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-12-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-11-22
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)

In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ 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 2018-11-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Schachter Portnoy, L.L.C. (NJ)

XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XX/XX/2018. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XX/XX/2018.  Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX  as of yet.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I receive checks from my employer as 1099 worker on the XXXX and XXXX of the month. The past 3 time my checks have been held for 4-5 days. I talked to Bank of America XXXX and was told because 1 of the checks was chargeback so from now on every check deposit will be put on a hold. The problem was it wasn't my fault for the chargeback. My employers went on vacation and was not able to answer the call from their bank. And it was a 1 off incident during my 6 month employment with this employer. As a 20 year customer, I feel that I am being held liable for 1 off mistake that was made by someone else. I should be able to pay bills with my hard earn money.
Consumer complaint received 2020-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

Flag star bought our mortgage in Fall 2020 and we immediately called them to make sure they had all necessary information for payments, escrow, insurance, taxes, etc. There has been a consistent pattern of Flagstar employees not documenting our calls or the information we give them regarding our loan ( property insurance info, our own contact info, etc. ) and making false claims about contacting us and leaving messages when they have not done so. They are now threatening to purchase their own property insurance for us because they refuse to document the the property insurance we already have with information I have supplied them on multiple occasions which they refuse to document.
Consumer complaint received 2022-10-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCF Intermediate Holdings LLC (IN)

XX/XX/2022 about XXXX a XXXX called from XXXX and he stated that he was going to send people to my home and work and applied that i might go to jail. I kept asking him if i was going to go to jail he did not reapply as i asked. I was scared, and i was thinking they was going to send people to my job and home. I was thinking who is going to watch my children if i go to jail