davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES 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
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent in letters to Equifax to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to XXXX XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I am having major problems extending my forbearances on my properties. I have called LoanCare multiple times and have been told my 90-day extension is in progress more than once. In fact, I called XXXX, received emails ( attached ) on XXXX saying they were approved, letters in the mail ( attached ) dated XXXX saying my forbearances have been extended to XX/XX/XXXX ( so they've been extended to the past?! ) and still nothing. I called XX/XX/XXXX, was told they would need to be manually done, and still I'm getting emails saying I need to take action. I just called today, XX/XX/XXXX, and the representative told me there isn't even a record of anything the representative did on XX/XX/XXXX and that the system says I have exceeded my 540 allowable days, but that isn't possible because forbearance programs didn't even start 540 days ago ( she suspected it was because my social security number is tied to 3 loans and so the system might be combining them all to " exceed '' 540 days ). She said she had to transfer me to loss mitigation ( even though that's the number I called ) and I've received no help. This has become extremely frustrating and now that XXXX is almost over and my forbearances with it, I am left wondering what is going on. My only options at this point have been to call back, file complaints with the appropriate government regulatory bodies, or reach out to other legal means because LoanCare isn't helping. This is for three loans : XXXX, XXXX and XXXX.
Consumer complaint received 2018-03-09
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. (DC)

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Consumer complaint received 2021-06-25
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. (NC)

I am a victim of identity theft and I have been trying to solve this issue with the creditors and credit bureaus for awhile now and I have not getting any results or even an answer from anyone. This is my last resort as I am just trying to move on from this nightmare.
Consumer complaint received 2019-09-03
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. (IN)

I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me
Consumer complaint received 2021-06-25
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)

I HAVE DISPUTED ACCOUNTS ON MY CREDIT FILE multiple TIMEs and XXXX  Equifax and XXXX have refuse to complete a investigation in disputing in removing. the inaccurate information from my credit file. I have dispute this information for the last 12 months.
Consumer complaint received 2018-03-09
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. (DC)

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Consumer complaint received 2023-07-03
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I called my mortgage provider ( XXXX ) on two separate occasions to obtain my final payoff balance on my mortgage and in both cases, I was asked for the most recent appraisal and they would not be able to provide my final payoff balance without the appraisal. Both Customer Service Representatives stated that since I have a 'shared appreciation loan ', I would owe more than my statement balance. 

I have attached a copy of my most recent mortgage statement and in no place on this statement does it indicate any additional money is owed other than my outstanding balance. 

Upon review of my loan documents also attached, executed on XXXX several sections indicate that the 'shared appreciation balance ' would be forgiven after 3 years. On page 2 section 2 as well as in the examples provided. As I understand the verbiage, it seems that there is no shared equity due since I've never been late on my mortgage payments and it's been over 10 years. 

I received advice from two separate Mortgage Brokers in reference to this scenario that have been working in this industry for over 30 years - neither broker has ever seen a mortgage written like this and believe this is a case of mortgage fraud. They both interpret the documents as I did, that I should only be responsible for the balance due on my mortgage statement. They are the ones that suggest I file a formal complaint against the company for resolution. 

My initial loan was with Ocwen, then was re-financed through PHH Mortgage with this shared appreciation loan because I almost lost the home to foreclosure ( a subsidiary of Ocwen ) and then was re-sold again to XXXX ( A division of PHH Mortgage ). 

I would really appreciate your help in resolving this issue as I would like to get a payoff statement as soon as possible. The verbiage seems vague, but seems The shared equity should be forgiven after the 3 years from loan execution. 

I really appreciate your help.
Consumer complaint received 2023-05-18
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. (TX)

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, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 a 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 2024-03-04
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-04
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I pulled a copy of my Experian Credit report XX/XX/XXXX. The report showed numerous inaccurate and false information. I have tried to contact Experian by writing them a letter via XXXX certified mail which they received and they responded with a letter stating that they believed I did not write the letter and that I had to call in. I called into Experian on XX/XX/ and spoke with a representative named XXXX. I advised her that the report showed a " Chapter XXXX bankruptcy dismissal filed with US Bankruptcy court in XXXX, LA. '' I told her that this was not my bankruptcy and I have researched the information. I contacted the US Bankruptcy Court and spoke with the clerk of the court. She mailed me a letter stating that the bankruptcy courts do not verify bankruptcies with third parties, third party reporting agencies or credit reporting agencies. She said that the US Bankruptcy court did not provide the information to Experian to place in on my credit file with Experian. I called XXXX XXXX and suppressed and frozed my file with them until they are able to correct this information as well. Per Experian, they are the ones who verified my bankruptcy and provided Experian with the information about the bankruptcy. I called Experian and told them that I was disputing the information and that the only way for them to verify the bankruptcy is to physically go to the US Bankruptcy court in XXXX, LA and verify. Since they are not able to verify my bankruptcy, they are required to remove it from their credit file but they are refusing to do so and continue to say they have verified the information. They have not verified the information and are violating my rights under the Fair Reporting Act by not removing unverified, false information from my credit file. I have a letter from the court showing they do not verify to third parties and I also have my letters from XXXX XXXX, XXXX XXXX, XXXX, and other smaller agencies whom Experian may verify through but all these companies I have frozen and suppressed my file with their companies which does not allow them to release my information to Credit reporting agencies. Also, I disputed previously on numerous inquiries which I did authorize on my credit file and Experian refused to remove them. I told them that I did not authorize them and they told me to contact each party who pulled my file. I called the companies and they said that Experian would have to remove them.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A credit was issued to my XXXX checking account ending in XXXX in the amount of XXXX from XXXX XXXX on or around XX/XX/XXXX, the account is currently restricted from any withdrawals. I received a message from BBB ( Better Business Bureau ) in  regard to complaint filed against XXXX XXXX, the company that distributes XXXX XXXX merchandise. The merchant said they issued credit, this is as of yesterday. It has not posted as of today, XX/XX/XXXX, however, I will need a check this amount once it does. I've left messages for a XXXX XXXX at Capital One, she does not seem to return calls, two messages were left thus far and not one returned. Several items are in dispute currently including the item from XXXX XXXX, as well as others. I am currently working with merchants to resolve directly, I will need a check for any and all credits issued to account from companies in dispute.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I've had this account investigated and re-investigated. The account shows XXXX late payments on one credit bureau and 3 one another. This inaccuracies falsely manipulates my credit score and had affected my life tremendously. I demand that the account be removed immediately. XXXX XXXX account # XXXX.
Consumer complaint received 2022-10-15
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. (GA)

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 : # XXXXXXXX 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 a 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 2022-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (IN)

I sent more than one cease and desist letter to OneMain Financial as well as requests for validation of this alleged debt. I then submitted a complaint and they responded. For some reason my CFPB account wouldn't let me change my password as I forgot it, and I am just now being able to log into my account to respond. I had to resubmit my complaint due to it being closed and once I did the CFPB system rejected the complaint. Thats the reason for the delayed response. I spoke with a CFPB representative and she recommended I submit my response differently so it doesn't get rejected. 

Attached is my response to your response explaining why you are in default, this debt is not valid and I am not liable.