davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The company os not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing the exercise my rights using FCRA 609 guidelines which require them to follow what I mention.I also can't get a refreshed credit report and calling the customer service number, was know help. I ended up getting a report that was 10 days old and I am seeing that same report everytime I ask for a new one.
Consumer complaint received 2017-08-07
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: World Omni Financial Corp. (GA)

I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.
Consumer complaint received 2017-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (DE)

I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I have requested proof from them, full details in my attached files. 

I disputed the ALLEGED debt and refused to pay the ALLEGED debt, pursuant to Title 15 U.S. Code 1692c ( c ). I demanded that they ceased ALL further communication through ALL and ANY MEDIUM except for communication of remedies for I, XXXX XXXX, the consumer and natural person, via MAIL ONLY, per Title 15 U.S. Code 1692c ( c ). I invoked specific remedy as the original creditor, pursuant to Title 15 U.S. Code 1692c ( c ) ( 2 ), and demanded items listed in the attached files. 

I, XXXX XXXX, am submitting this without any influence from any 3rd party or agency.
Consumer complaint received 2020-05-05
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)

I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting a debt that does not belong to me. This debt has been disputed and continues to reappear on my credit report. They are reporting an open balance on a collection account and reporting the account was opened on XXXX XXXX XXXX  and it first appeared on my credit report in XXXX. It has been proven to not be my debt and already has been removed and yet it has reappeared again.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Today, XX/XX/2020, I recieved a letter from MCM threatening to take me to court if I didnt pay my balance. I had already spoken to them about not calling my spouse ( which they did without my permission ) and I told them I would contact them a few months later. So they are falsely accusing me of not being in contact with them, and threatening to sue me of a debt over a year old.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX  XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.
Consumer complaint received 2023-01-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (TN)

TN XXXX My difficulties started around XX/XX/XXXX. XXXX was effective and threatening to shorten hours or reduce employment at the job. At the same time I was going through a divorce and Bankruptcy. It was the perfect storm for my finances. I had attorney fees, all the household expenses and helping my family as much as possible. Flagstar Bank was offering COVID -19 assistance for Homeowners. I completed the application and was approved. Somewhere between agreeing to restart mortgage payments and the amounts we got off track. Documents that were sent to me from Flagstar Bank never arrived, I called and asked for them to be resent. When the documents arrived, they were inaccurate. I notarized the documents with accurate information, they were rejected as arriving after the due date, although, I didnt receive the documents until after the due date. I continued to pay from $ 1450 monthly up to $ 1600 monthly. They declared my loan in default but continued to accept the payments until XX/XX/XXXX. Flagstar Bank has contacted an attorney to Foreclose on my property XX/XX/XXXX. I am seeking assistance to catch up late payments. 
My pay status was temporary and I am ready to make monthly payments but need assistance to satisfy Flagstar Bank. 
Thank for your assistance. 
Sincerely,
Consumer complaint received 2020-10-21
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. (TX)

I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/XXXX   XXXX
Consumer complaint received 2019-05-30
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. (NC)

I sent an investigation request to Equifax in late XXXX. Over 30 days have passed and I have yet to receive a copy of my completed investigation results in the mail. I even sent a follow-up letter a couple of weeks ago, and that has received no response either.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 2021-04-26
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. (NJ)

On XX/XX/XXXX someone tried opening a XXXX XXXX credit card with my social security number. I immediately called all 3 credit bureaus and XXXX XXXX and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to XXXX XXXX and Experian to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.
Consumer complaint received 2020-10-21
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)

XXXX and XXXX  have removed this account due to inaccurate and incomplete information reported with the 3 agencies, which is a violation, but Experian still has refused to remove the account. Please remove remove/delete : XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (NY)

I have been in the NACA program for 2 years. I have jumped through every loop NACA requested me to. I followed NACA 's instructions to become NACA qualified to obtain a mortgage. I was recently qualified on XX/XX/XXXX in which I signed the qualification form and sent back to NACA. I was advised between my counselor and the HAND department to put a contract on my father 's house, which I did. I was also advised to pay for a home inspection, which I did {$400.00}. I was also told since I was rehabbing the home I would need architectural drawings for appraisal purposes, which I retained an architect and paid a deposit of {$750.00}. When my home inspection was complete, I received an email from NACA HAND Dept that they were now requiring a structural engineer and construction manager ( which is adding to the cost of my out of pocket expenses and mortgage amount ). I tried reaching out to NACA as I didn't understand the scope of the letter and why I need an engineer. I called the HAND Dept and requested a call back a week ago. Nobody ever called back and if your phone call is not returned within 24 hours, they state to call again. So I called everyday. I was told by a Rehab Specialist ( email is attached ) she would reach out to me this past Tuesday, she never did. I called again on Wednesday and I advised I wanted a call back yesterday as I have been waiting over a week and someone kept saying I'd get a call back but they were negligent in returning any calls and/or emails. I finally spoke w a XXXX XXXX, National Director of the HAND department on Wednesday XX/XX/XXXX. I questioned why I needed an engineer and construction manager when it was going to cost more. I was trying to explain to XXXX the whole purpose of the program was to make it affordable and they make it unaffordable requesting for more and more money to be spent. XXXX then said she is the National Director who is the only one who can approve my rehab loan and that she was denying my loan for my attitude. I advised I would file a formal complaint with the OIG and terminated the call. The entire NACA dept as well as myself was then emailed by XXXX stating she is terminating my contract and kicking me out of the program. She stated in the email that I was unwilling to cooperate when I never said I wasn't willing to cooperate. I was trying to find out the logistics of why now I have to hire more people after I've already hired who she told me to.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I applied for a mortgage with Bank of America. I got a prequalification letter on XX/XX/XXXX. I decided to go with Bank of America because of a grant program they had. I was ultimately denied for the grant because I normally make $ XXXX a year and the grant income limit was $ XXXX a year. I met the $ XXXX income requirement due to COVID my employer reduced our pay by 20 % for 3 months. This was stated on the Verification of Employment they sent to my employer on XX/XX/XXXX. However the underwriter only looked at the current gross pay stated on the form by the employer and not the YTD income or notes. I was denied for the loan XX/XX/XXXX due to not having enough of a down payment due to COVID they require a 15 % down payment. On XX/XX/XXXX, Bank of America charged me for an appraisal fee which I was told would be refunded on XX/XX/XXXX when the loan was cancelled. I was told the appraisal didn't happen and they would refund my credit card. The original charge was for {$660.00}. Part of that was a fee for obtaining my credit statement. I think the fee was {$25.00}. I asked for the amount in an email to the lending officer XXXX XXXX on XX/XX/XXXX but have not heard back from her. I was refunded {$200.00} from Bank of America on XXXX. I disputed the charge with my credit card company XXXX on XX/XX/XXXX due to not being able to get a response from Bank of America on the remaining charge and the appraisal not being done. XXXX closed the dispute on XX/XX/XXXX due to insufficient evidence. I was never given a receipt for this appraisal fee or credit fee. I called XXXX and Bank of America today XX/XX/XXXX to continue to try to get this resolved. I left a voicemail for XXXX XXXX since no one else at Bank of America will talk to me when I can't get a hold of her. XXXX said they will have their dispute department call me. I wanted to submit the complaint because this whole thing has been troublesome. I'm not sure how long it usually takes for a loan to be processed/reviewed but I think there should be more work done up front to make the prequalification letter meaningful. Bank of America should have gotten the Verification of Employment from my employer before issuing me a prequalification letter. It took from finding the home on XXXX to XX/XX/XXXX to find out I wasn't actually approved for the mortgage.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Harris & Zide (CA)

Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX  cashier 's check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the XXXX process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX Letter from Harris & Zide Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " sif ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call Law office of HARRIS & ZIDE They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

Law Office of Harris & Zide, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.