davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: CL Holdings LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS 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 After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item XXXX is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

Please remove the employer, XXXX on my XXXX report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my Equifax report.
Consumer complaint received 2019-06-11
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Consumer complaint received 2023-03-02
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. (FL)

I have contacted XXXX XXXX on several occasions, stating that these vehicles in question were leased to dealerships one was to XXXX in XXXX, Massachusetts on the XXXX, where the salesman lost my entire Deal so they put me in the credit bureau. I fought with the XXXX how does an Entire Car Deal go missing? They had no response Im sorry but that was their issue my uncle co signed this all this happened cause. They called me and wanted that and I I had and was going to give me a great deal on the New XXXXi.which when I moved to Florida I wanted a smaller car so I traded my XXXX XXXX For a XXXX XXXX which I had to pay higher interest, and also was put in the credit bureau for this vehicle as well. I called and said that the vehicle was traded they came up with while it has wear and tear damage. The car was in mint condition. All my cars are sold to have to be charged more on interest and payments all because of XXXX two vehicles put me in the credit bureau unlawfully.
Consumer complaint received 2024-02-08
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. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I made a complaint. You told me to give the company a chance to fix the problem. 
I received a request for me to sign a second mortgage on my house. A house I have had for 15 months. I only took nine months forbearance. All I should owe is the escrow. XXXX at the most. They are saying I have to sign second mortgage for XXXX or lose my home. How this is a scam! 
I need help. I have a lawyer, but the phone numbers are changed. I can not afford to pay a whole lot of money. Help me get my mortgage straightened out. PLEASE!!!
Consumer complaint received 2021-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My VA loan was refinanced in XX/XX/2021. Freedom Mortgage Corporation was the holder when the loan was paid in full. Escrow reimbursement was listed as mailed to me on XXXX XX/XX/2021. When I did not receive the check after 3 weeks I called Freedom Mortgage and was told that I could not have the check cancelled until a month has passed. After XXXX XX/XX/2021 I called again and asked that the check be cancelled and mailed out again. I was told there was a 10 day waiting period before the check can be mailed. It has been over two months since I closed on my refinance and there is {$6500.00} that has yet to be paid to me. If I am expected to wire funds to cover an escrow amount for a mortgage company I would expect a timely reimbursement. If not, I expect to be compensated in interest at my previous mortgage rate.
Consumer complaint received 2020-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc (AL)

i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than XXXX, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/XXXX.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I had XXXX at the end of XXXX to remove a XXXX. It took me till XXXX to get back to work. I tried contacting Rushmore LM from XX/XX/XXXX until XX/XX/XXXX to ask for a repayment or payment plan. Every time i called Rushmore went through the prompts, 30 seconds later the call disconnects, this happened 10 times. I finally was able to reach them on the XX/XX/XXXX asking for a repayment or forbearance.. I went through a ten minute financial interview, the lady told me i needed to be two months behind. Said i didn't qualify at that time for those options yet they send me these resolutions. I tried to contact XXXX XXXX, my point of contact from XX/XX/XXXX till XX/XX/XXXX XXXX. 8 calls with no response. They have also violated my rights under the Respa law. Instead of keeping two months, they had 6 months as of XX/XX/XXXX. Stating they can do this> and have an annual review in XXXX. Then they tried to state they paid my hazard insurance of {$1100.00} in XXXX but is wrong amount and it's not do till XX/XX/XXXX and is paid quarterly
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I been disputing a old wells Fargo account from XX/XX/XXXX it is a closed account an paid off it closed on XX/XX/XXXX but its reporting 3 inaccurate late payments I been going back an fourth with Wells Fargo for at least 3 months now an have a couple claims open with them they keep saying there going to remove it an should show up on my next credit cycle but it's been about 4 credit cycles so far an its still there showing they removed it off my XXXX report but its still showing on my XXXX an XXXX report now everytime I call Wells Fargo an give them my case number to speak to my case worker she is never there or busy an they say she will call me back an she never does I sumbitted XXXX letters also goodwill adjustment request to emails an also the fora 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions from a consumer credit report an under 15 usc 1681b- permissible purpose of Consumer reports
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just received my credit report and noticed that somebody applied for a XXXX XXXX XXXX XXXX  in my name. This has been an ongoing thing with somebody using my name during this covid 19 tragedy
Consumer complaint received 2023-05-04
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-07-18
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. (MI)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 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 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 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
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/2024, without any prior notification to me by th

e Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus.

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information.

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-19
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent several debt validation letters and haven't received what was asked for also tried to dispute with credit bureaus. last letter sent XX/XX/XXXX disputed with bureaus XX/XX/XXXX, XX/XX/XXXX. I sent validation letters XX/XX/XXXX, XXXX. they havent furnished me with what was requested.
Consumer complaint received 2019-09-14
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)

Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

Please be advised that I am writing this letter to enter a complaint to bring attention to Diversifed Consultant s unscrupulous business practice.

I have never been contacted by Diversified Consultants in any way shape or fonn by phone or by mail ever, most recently I noticed that they have added a collection to my credit file at XXXX.

I have had a previous agreement with XXXX  and have paid the balance in full.

I have disputed this with the credit agency, and have called diversified and spoke with a XXXX XXXXXXXX XXXX XXXX to infom1 them of this.

They are attempting to collect a debt that is already paid in full and have erroneously updated a negative report on my credit file.

Please investigate this matter and have this corrected. Thank you for your immediate attention.