davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

I checked my credit and noticed that I had a collection mark on my credit from Focus Receivables Management on behalf of XXXX  XXXX  for the amount of {$38.00}. I was unaware of this debt since when I closed my account with XXXX  XXXX  I returned all the equipment and paid off the account in full. I called about the debt since I should have not owed anything and in addition, I never received notification of any type of remaining debt from XXXX  XXXX  or Focus Management prior to maliciously applying it to my credit. When I talked to the representative from Focus Receivables Management she said I could pay the amount and dispute the balance. This is a false statement as it will still leave a negative mark on my credit. My credit is very valuable and should not be used as a collection tactic to an amount that I am unaware of and also the original creditor made no attempt to contact me. How can I owe a debt if everything was paid and returned? How can some destroy my credit which hurts me personally and professionally with no contact, no prior communication, or anything?
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Despite my persistent efforts, these concerns persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as either " frivolous '' or " irrelevant. '' However, I want to emphasize the significance of this matter to me. If my initial request to verify these items, as outlined in my previous certified mail, continues to be overlooked, I'll be compelled to escalate the issue by filing a complaint with the Federal Trade Commission. It's essential for a comprehensive reevaluation of the information to occur. Therefore, I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary. I trust your firm will address this matter with the seriousness it merits to ensure a fair and timely resolution.
Consumer complaint received 2019-02-22
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. (NY)

This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Consumer complaint received 2019-02-22
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. (NY)

This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Consumer complaint received 2016-05-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Ditech keeps calling me. Telling me go pay off my loan in the amount of {$15000.00} dollars or they gon na take my mobile home. They keep harassing me. What do I do I do n't want to loss my house. HELP
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MI)

Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.
Consumer complaint received 2022-02-28
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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.

has violated my rights. Or a list of inquiries : 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 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MA)

I was called by Quicken loans and offered a deal on a refi i told them i would only think about it they could offer me a good deal on a fifteen yr with a lower rate they made me a offer. 
we took the next step in the process which told i had to give a {$500.00} deposit to proceed and told it was refundable, when i got good faith estimate my wife and looked it over and we decided to withdraw from loan XXXX/XXXX/2015 i tried to contact the adviser and was able to get in touch him i had to call someone else they said they would withdraw the loan and everything will be all set, i followed up yesterday cause i had not got my refund yet and the person i spoke to looked in to it and said the loan had n't been withdrawn yet, i spoke with a supervisor they said they would look into it he called me back and said i would be able to get all of my refund because they had uncured charges during the process i called to withdraw 2 days before the appraisal so i should be able to get my money back, i was being charged ridiculous amounts and fees in closing costs, Another company was able to offer me a better deal without all those fees and costs, they take good faith deposits and find a way to keep it if you withdraw.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX  ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc. (IL)

Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

On my most recent credit report i found XXXX listings from XXXX loan reading " claim filed for insured portion of balance ''. Even though its XXXX listings, its all pertaining to XXXX student loan that as of 2013 is completely paid off. i have a letter being mailed to me providing proof of full payment from XXXX. would like to have all of this information cleared up.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

My name XXXX, authorized agent for the XXXX XXXX account with AMERCA 'S SERVICING COMPANY act. # XXXX. I had a foreclosure case that was dismissed with prejudice under Rule 12Q for want for fraud. I rescinded my mortgage also pursuant to the Truth in Lending Act and recent US SUPREME COURT unanimous decision upholding TILA. My home was sold about a year ago. XXXX XXXX no longer owns it. This company will not stop harassing me no matter how many times I have communication with them. I have written them numerous times. They call me a minimum 5x's/day. I tell them I only do business in writing. They will not stop calling me. Please make them stop. The debt no longer exists since the mortgage was rescinded and the case was dismissed with prejudice. I do not want a loan modification.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-02-23
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. (TX)

I received a data breach letter the mail which I recognized some inquiries that I did not authorize, so by law the inquiries have to be removed are I will take legal action against Equifax. Thank you, XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (ND)

In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. 
Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks!
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
Consumer complaint received 2015-12-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (OH)

I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Please reference prior Complaints ( XXXX and XXXX ) as this is an ongoing issue. My mortgage company continues to defy the law as set out by the CARES and American Rescue Plan in regards to a Covid hardship-related mortgage payment forbearance as deferral. Shellpoint ( dba New Rez ) continues to communicate with threats regarding foreclosure/short sale, most recently trying to force me into a Loan Modification when a Loan Deferral is what I was under ( see XXXX email XXXX, attached ). Since XX/XX/2021, they are BLOCKING my timely mortgage payments, then penalizing/reporting to credit agencies that I have not paid ( see attached ). 

I once again attempted to make my timely online payment on XX/XX/XXXX, but am still being blocked from doing so. My credit score is also being impacted. Shellpoint has communicated with conflicting messages throughout this 2-year process, swinging incoherently from threatening to confirming the true solution, then more threats. There is zero clarity ( or seemingly any communication WITHIN the company ).
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around XX/XX/2017. I have until XX/XX/XXXX to accept. The bank has added $ XXXX to my principal for missed payments. There is no discussion or negotiation. My principal went from {$140000.00} to {$180000.00}. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?