davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me. On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (NJ)

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and experian that Experian was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and 3rd party thieves. On XX/XX/2022 I filed an FTC identity theft report against experian, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent Experian multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via usps certified postal mail on XX/XX/2022. Experian has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that Experian no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my Experian credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand Experian stop violating the FCRA and the FDCPA.
Consumer complaint received 2024-04-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX XXXX keeps responding that I am making frivolous complaints against them but fail to address specific concerns raised. Is the promissory note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. XXXX XXXX doing business as XXXX is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If XXXX XXXX is not engaged in securities fraud how were they able to transfer the note and hire Mr Cooper as the servicer which they pay them a fee just to collect payments and make phone calls to its customers but they do NOT have the note because it was already deposited so it could be paid out. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX accounts numbers. If XXXX XXXX would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & XXXX involved to track their activities involving securities since what Im stating is untrue. If you reply back that I am incorrect again this is exactly what I will do.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.
Consumer complaint received 2021-06-09
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)

on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TransUnion, XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

I reviewed my XXXX mortgage statement, and I noticed a default interest charge for {$920.00}. I called the Shellpoint Mortgage A Division of Newrez service line, and no one could explain to me why I was being charged default interest. I reviewed my mortgage statements and I found that I have been charged default interest for months. This is the list of charges. 

XX/XX/XXXX {$130.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$570.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$2600.00} Total {$5800.00} The following is the definition of default interest. Default interest is a higher rate which is payable if a party to an agreement fails to fulfil an obligation to the other party. Also, default interest rates are the additional fees charged by lenders to borrowers who fail to make timely payments on their loans. I have never missed a payment on this loan. I have never been late with a monthly payment. I always pay on time. In fact, I have paid {$230000.00} in principal over the past 64 months far more that than what was scheduled. So, I have paid my loan on time and I have paid {$170000.00} + in additional principal. I am more than meeting my obligation. 

Thank you
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-01-26
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. (NC)

My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.
Consumer complaint received 2019-09-29
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: SYNCHRONY FINANCIAL (IL)

Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH  I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, CB/VICSCRT account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

UWM canceled my enrollment in autopay without my knowledge or consent. This caused for my mortgage to become delinquent. They called numerous times but failed to leave a message. My credit score has been negatively impacted due to this. I have contacted them to assist but they are unwilling to remove the late payment. The first time this happened, they admitted fault and deleted the late fee. I caught it before it was reported to the bureaus the first time. This second time, I did not catch it in time and it was reported to the credit repositories.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

After reviewing your response to my dispute letter of account : Creditor : Account : Reason : Experian didnt do a proper information I have received additional relevant information for you to fix this inaccurate account here. So how is it that you already verified the accuracy of the account when the lender told me that I made my payments on time? I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX actions contravene the Federal Trade Commission Laws. The company has denied my dispute request for an account I have no knowledge of.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (CA)

on XX/XX/21 I sent out a letter disputing the inaccuracies reporting on my credit report in hopes of having the issue resolved within the 30 days or 45. it has been well over 60 ays and there has not been any sustainable proof of the items being reported on my consumer report to be verifiable. this is causing me a great deal of interest each year. as to my understanding the bureaus are violating my consumer rights under the FCRA and TILA. please help me resolve this issue as soon as possible
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I initially opened a dispute with Equifax via mail on XX/XX/2019 concerning inaccurate and unverified accounts and inquiries. After that dispute was submitted, I also noticed that a balance on my credit card account was inaccurate. I paid the balance of the card off and instead of reflecting a XXXX   balance, the XXXX account, reflected a balance of {$260.00}. I submitted a dispute regarding that account and eventually that account was updated to reflect a XXXX balance. 

I filed a complaint with CFPB, yesterday regarding Equifaxs refusal to send dispute results within the 30 day timeframe or delete the inaccurate and unverified accounts and inquiries. As of today, I received an update from a Equifax with regards to another account I have with XXXX, that I never disputed, stating the balance has increased from {$5.00} to {$260.00}. This account has not even been charged any debt this month and should have a XXXX balance. The inaccurate balance has caused my Equifax credit score to drop 13 points. It seems that there may be some correlation with filing the complaint and the possible subsequent and intentional reporting of inaccurate information by Equifax
Consumer complaint received 2022-04-30
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. (OH)

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 U.S.C 1681. 

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 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion, XXXX  and XXXX  are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX   to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (NV)

Company did not provided me with any information when asked for a validation of debt because the account is almost 4 years old, company has been reporting inaccurate information to my XXXX  report. Southwest Collection Services has never contacted me in any way shape of form. They are threaten to damage my credit by report higher balances, neither the original creditor or the collection agency will validate the debt, I filed a dispute with XXXX  and they responded by saying the debt is accurate but won't produce any other information.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (CA)

PROCOLLECT INC was reported to my Credit report as of XX/XX/XXXX, the Original creditor is XXXX XXXX, they are located in Texas and apparently this was opened XX/XX/XXXX, balance due is {$65.00}. I have never lived in Texas, I have resided in california since XXXX, and at my current address for XXXX years. 

Back in XX/XX/XXXX, This same creditor tried to collect {$65.00}, it also affected my credit report, i did report this to the FTC and got this cleared and removed from XXXX and XXXX... 

Please help resolve this and wish this company stop contacting me and trying to ruin my credit. 

Thank you