davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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. (MA)

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

On my XXXX Credit Report, Experian Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX Credit Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (CA)

Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (OH)

I w

as never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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.

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 informationisinaccurate.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ...

Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 informationisinaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2021-07-08
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. (VA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC (FL)

This is follow up to my previous complaint filed on this site against Shellpoint Mortgage Servicing company. 
Their behavior of harassment and intimidation is not acceptable. They bought my debt from another collection agency XXXX XXXX after XXXX XXXX used the same techniques to collect expired debt from XXXX  XXXX XXXX who sold debt in bulk to XXXX XXXX. 



XXXX XXXX, FL XX/XX/19 From : XXXX XXXX XXXX To : Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX To Whom It May  Concern : After buying my debt from Select Portfolio for pennies you keep harassing me with the latest by sending XXXX XXXX XXXX on XX/XX/19 banging on my doors at XXXX am while I was soundly asleep ( I'm retired and sleep a lot ) to intimidate me on loan that XXXX had no desire to deal or foreclose many years ago. 
You are violating every legal statue that bars you from harassment and intimidation. 

You are violating : [ 15 USC 1692d ] 806 ( 5 ) [ 15 USC 1692d ] 806 ( 2 ) [ 15 USC 1692c ] 805 ( a ) ( 1 ) [ 15 USC 1692d ] 806 ( 1 ) [ 15 USC 1692c ] 805 ( 6 ) [ 15 USC 1692g ] 809 ( a ) [ 15 USC 1692C ] 805 ( c ) By this signed letter I am asking you to cease and decist all calls ( including third party ), all written correspondence and remove ALL negative remarks on all three credit bureaus ( XXXX, XXXX and XXXX ). 
There is statue of limitations for collections and you are way past due that statue. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
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. (CO)

I have a home loan with XXXX XXXX XXXX. My loan is set up on auto draft every month. I had made a change to increase the amount of principal of the auto draft. Unknowingly the auto draft was not processed for the month of XXXX and XXXX had never contacted me regarding the delinquency. XXXX had only reported the delinquency via credit reporting and thats how I found out. As soon as I had found out I paid immediately the past due amount. I still dont know why the auto draft was not processed. Ive contacted XXXX via phone and faxed letter asking to remove the delinquency notice and theyve refused. I believe it is their responsibility to notify me when their system did not process the the payment.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-16
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. (IL)

On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio say that they reached out to me in XX/XX/2017 of having bought this alleged debt ending in XXXX. Do they have a signed mail return receipt? NO. i found out about this alleged debt in XX/XX/2017, I sent dispute letter to them. Threy broke the following laws 1. Did not notify me of this alleged debt prior to reporting 2. Did not mark my account disputed with in 31 days of receipt of this dispute letter. 
3. Did not COMPLY with sending me a COPY of MY AGREEMENT ( which I do not have a signed contract with them ) NOR a signiture, per requested. They have ignored ALL of my request UNTIL i got BBB involved now you CFPB and Attorney General. 

Which by LAW they are REQUIRED to follow.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

First, I closed a cash out refinance with Citizens Bank on XX/XX/XXXX. I began the process at the end of XX/XX/XXXX. There was to be no escrow for taxes or insurance as the loan is for {$180000.00} and the assessment of the home is {$400000.00}. The statement for XXXX shows an escrow for flood insurance of {$320.00} which was placed on the loan on XX/XX/XXXX. I had been quite clear with my loan officer, XXXX XXXX in the XXXX, CT office that I did not need or want escrow. There was no escrow included on the closing documents. On Tuesday morning XX/XX/XXXX, I spent 2 hours on the phone trying to rectify the problem. The customer service number Citizens Bank has listed on their app XXXX is only an automated phone service. You can not actually get any help. I called XXXX XXXX who was the loan processor. He tried to be helpful but said there was not much he could do. I called my branch in XXXX, CT and got a number that connected me with a person. He gave me the information that the escrow had been placed on the XXXX of XXXX for no apparent reason. He then redirected me to a person in charge of insurance. This person said since I do have the proper flood insurance, there was no need for the escrow and he would fix the error. It is now Saturday XX/XX/XXXX and the statement online still had the escrow of {$320.00} included for XXXX. 

Second, at the closing I was asked to choose the day I wanted money directly withdrawn from my bank account each month. I requested the XXXX of each month. Both the Citizens Bank Home Loan app and their online statement says that my payment was due on XX/XX/XXXX and that I am delinquent in payment. The gentleman in customer service assured me that my payment is to be withdrawn on the XXXX and that their app doesnt always make sense. The same information is also on Citizens Banks online statement. I believe that their error has now hurt my credit score. 

Third, they paid an incorrect amount of property taxes, which I recognized and paid.
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX account # 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.