davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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. (MD)

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 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} )
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. (FL)

on XX/XX/2021 i sent a letter to EQUIFAX regarding some inaccurate and alleged debt. its been over 30 days and i have not received a response. EQUIFAX is in violation of Section 611 ( a ) which states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I XXXX XXXX was also a victim of the EQUIFAX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-02
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. (AL)

N Accordance with the Fair Credit Reporting Act. These following accounts 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 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.
Consumer complaint received 2021-12-13
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. (NY)

I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.
Consumer complaint received 2018-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. Trans Union previously responded, in writing, that the following accounts are not on my Trans Union Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second Trans Union continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which Trans Union is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise Trans Union would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but Trans Union does not. This appears to be a pattern for Trans Union as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX  have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, Trans Union, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX99 % On-Time Payments. 
*26 year old credit history line. 
XXXX30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped  due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Freedom Mortgage did not pay my homeowners insurance and my loan is escrowed, i was not notified by mail, email or phone call from Freedom mortgage. every month i pay into my escrow and i have well enough money into escrow to pay insurance, my homeowners insurance sent freedom mortgage the bill to pay and freedom mortgage did not pay it.my homeowners insurance is cancelled due to non payment by freedom mortgage and my loan is escrowed. now im stuck. this is Horrible they are a horrible servicer and mortgage company. my loan was sold to freedom from XXXX  mortgage i never had problems with previous mortgage company XXXX. Freedom mortgage i have reached out to them and no one answers or have called me back regarding this matter.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (CA)

On XX/XX/2018 XXXX XXXX denied me a Mortgage refinance and HELOC loan. XXXX XXXX said I have a Lien on my Property Title Report and that I needed to contact GMAC Mortgage to clear this matter XXXX XXXX also stated that it seems that since I have excellent credit that GMAC Mortgage must have left this in error. Since then I have tried contacting GMAC Mortgage they have many subsidiaries I found that these Banks that I filed complaints with OCWEN, XXXX XXXX  they have both said they do not have " servicing rights '' I also contacted XXXX XXXX XXXX XXXX who can see my information but can not help me. I pulled a Deed of Trust and Assignment of Rents from XXXX XXXX county recorders DOC # XXXX MIN XXXX. I have looked at MERS Service ID and the information says that my MIN XXXX servicer is XXXXMAC Mortgager LLC XXXX XXXX, PA I tried contacting does no exist, I called the phone number listed on MERS ( XXXX ) XXXX this number redirects me to OCWEN debt collecting service in which they deny having any " servicing rights '' again my MIN status is " Inactive ''. I'm asking for MERSCORP to " Discharge '' and clear this lien on my Property Title Report. I will provide all documents with this complaint.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX insurance company issued a check in my and my clients name. The check was sent to the client without my knowledge.

I found out that the check was cashed without my signature. The bank never called me to tell me that the signature was not mine. 

The bank cashed the check without my knowledge.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (CA)

On XX/XX/2021 I attempted to resolve a debt with Capital Management Services. The debt was taken on from XXXX XXXX. I wrote them and mailed two letters which they failed to respond to within the allotted time. Because they failed to recognize and respond to my letters, I am asking for the debt to be removed both from my history, and my credit report. 

The amount that was owed was about {$5500.00}. I attempted to settle, and they attempted to charge me twice. After learning that I didn't have verification I attempted to request it in the two letters ( as stated above ) and called their offices. I received no response. 

I would like this amount removed from my credit history and report.
Consumer complaint received 2020-10-22
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. (AL)

I have filed a dispute several times with Experian. I have explain that the information being reported is inaccurate. Experian has yet to provide written proof that the investigation has been verified by the company. The company has yet to provide verification or documentation that proves any of the negative info being report is accurate. I was a victim of identity theft a while back. I have a bankruptcy that isnt mines, along with a collection that doesnt belong to me. Also there are negative account along with inquiries that isnt mines that Experian has yet to prove to burden proof that it belongs to me. I have sent many disputes and many of the disputes they are unwilling to let me dispute again. I should not be held liable for actions of other people who steals peoples identity. Please follow up with Experian to ensure that are following the guidelines set forth to protect the information being reported on consumers report,
Consumer complaint received 2018-10-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XX/XX/2018 XXXX, Transunion, and XXXX RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by  reporting wrong or inaccurate information onto my credit reports
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00}
Consumer complaint received 2019-09-02
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TX)

To whom it may concern, Have had a citicard credit card for years, never have had late payments, always paid more than minimum payment, noticed when in looked at end of year report that I was being charged a debt protection fee which I never signed up for, mind you I had not used the card in years, i was just paying the " balance '' off, when I noticed the fee I contacted citicards and I was given the a # to call, I stated my case and was told to wait for a response through the mail, never received one, so I called again and after a few weeks received a letter that stated that they could not refund any of the debt protection. Reading about others in the same predicament, the same excuses I was told, that I had signed up for it, eventhough I never recalled doing it, that it has been so long ago that they do not have a record of it and so forth ... the debt protection fees are probably in the few thousand dollar range, I had not used the card in years, just paying it off.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX XXXX Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( Transunion ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Consumer complaint received 2022-05-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  violated my rights.

SEC 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.
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCC Finance, LLC (PA)

Question loan amount Never sent information who took over account Was a 10 year account looked at last statement now a XX/XX/XXXX maturity date. 
I have asked for original loan documents not received yet since XX/XX/XXXX Question why current balance keep changing There was also a conflict with payments sent to another account not mine and my account had to be adjusted And now as if XX/XX/XXXX Being told no payments are due Seems prolonging this bill # XXXX On statement XX/XX/XXXX_XX/XX/XXXX No payment due