davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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. (WI)

There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a hostage situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kramer & Frank, P.C. (MO)

I have a credit card with   XXXX   XXXX  -I was in the process of starting to dispute some of the charges. But  XXXX   XXXX  was not was not responding to me. Now I found out that I have been sent to  Kramer  and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I  have not received any mail or phone calls from them. They have filed sue on me  X/XX/2017    and I have not gotten anything from them. Today,  X/XX/2017    I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of XXXX I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) Ally Financial, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, 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. (CO)

Transunion readded more than 20 inquiries to my credit report that were previously deleted from my credit report. These new credit inquiries are not the result of new credit applications and are just inquiries that have been previously deleted. There are also multiple inquiries from the same companies and dates despite me only applying for credit with those companies once. When I called, the representative told me that there was nothing they could do about the inquiries.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Global Equity Finance, Inc. (GA)

I signed my mortgage loan closing papers with Global Equity Finance, Inc on XX/XX/2021. The XXXX listed Cash to Close to Barrower at {$2300.00}, The Closing Disclosure signed on XX/XX/2021 listed the Cash to Close at {$2300.00} To Barrower. 
The Final XXXX  shows payment to Barrower at {$2400.00} ( Disbursement Date : XX/XX/2021 ) On XX/XX/2021 I received a new Closing Disclosure to sign thru XXXX XXXX. It listed Closing Costs included - {$990.00} in Lender Credits and Cash to Close at {$3600.00} To Barrower. 
Also on XX/XX/2021 I received an email from XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX stating they had purchased my loan and was discovered that the Final Closing Discloser was missing Lender Paid fees. They were re-disclosing and where providing a copy of the final document. 

On XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX noticing the new Closing Discloser showed they lowered the Points and gave a Lender Credit. She stated it was done Post Closing and not done by Escrow. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance and cc : XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

On XX/XX/2021 I sent XXXX XXXX of Global Equity Finance an email regarding this issue and did not receive a reply. 

What happened to the {$1200.00} Cash to Close to Barrower?
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (MS)

3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my Equifax made XX/XX/2021 1 on my XXXX  made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a issue with direct deposit on my Edd debit card I called BOFA and customer service said go to bank with 2 forms of ID AFTER I HAVE VERIFIED MY IDENTIFICATION ON EDD WEBSITE AND BOFA ACCUSING ME OF FRAUD AND WONT TAKE BLOCK AWAY FROM CARD
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked over my credit report and noticed unauthorized inquires on my report from XXXX XXXX  on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I submitted my Identity Theft Report along with this complaint.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and TransUnion on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on TransUnion. On my TransUnion report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called TransUnion and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my TransUnion report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2019 XXXX XXXX XXXX  XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 transunion will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AVANTE failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2017-04-25
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. (NC)

I have tried to dispute this with   Equifax   multiple times to no avail.   Equifax   is reporting a  XXXX   XXXX  Foreclosure from  XXXX  is currently  XXXX  days past  XXXX . The home was foreclosed at a  XXXX  balance in  XXXX  which is reflected on the report. It is physically impossible for me to be  Currently  120 days late on a  XXXX  balance, and it shows it was never even 120 days past due on top of it! Based on the FCRA, they need to be accurately presenting my credit which they are not doing.     I escalated with  XXXX   XXXX  who spent a lot of time with me investigating each code they were sending to Equifax and stated they are reporting it correctly and I need to escalate back to Equifax because for some reason they are not mapping it back to my credit report correctly.  XXXX   XXXX  even had 2 physical humans working through the file on my behalf to ensure they were submitting the data correctly back to Equifax.     Equifax is stating all they can do is re-dispute instead of just fixing the status or removing it off the report. Both   XXXX    and  XXXX  have already fixed it on their system, but Equifax refuses to do so.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

over the past year the company handling our loan, Navient, has raised the monthly payment from XXXX a month to ~XXXX. Submitted an application for income based repayment to be re-instated and was denied because my wife has XXXX income. We are married, we file jointly, and she has not worked in 20 years. Per the instructions I included my income on the form, and supplied paycheck documentation. Upon calling back today, I was told since my wife does not work we can not get income based repayment. We have had income based repayment on this loan for decades. This is messed up.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

THIS COMPANY IS USING FALSE STATEMENTS AND IS CLAIMING THEY HAVE THE RIGHT TO FURNISH MY REPORT WITH INACCURATE INFORMATION BASE ON A CARD HOLDER AGREEMENT IN WHICH THEY BELIEVE THEY ARE PERMITTED BY LAW ( WHICH LAW ) TO DO SO? THE CARD HOLDER AGREEMENT DOES NOT HAVE ANY WRITTEN SIGNATURE FROM ME. IT DOESN'T INCONSPICUOUSLY GIVE ME THE OPTION TO OPT OUT OF SUCH REPORTING NEITHER. UPON REVIEW OF MY CONSUMER REPORT THE ACCOUNT HAS BEEN CHARE OFF MANY MONTHS AGO AND WHICH UNDER THE 1099C CANCELATION OF DEBT THE IRS STATES CHARGE OFFS ARE INCOME AND INCOME CANT BE REPORT TO ONE CONSUMER REPORT NEITHER CAN A CHARGED OFF ACCOUNT. THIS IS IN VIOLATION OF USC 15 1681S-2 ( A ) ( 1 ) AND USC 1681A ( 2 ) ( B )
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (PA)

This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.
Consumer complaint received 2017-07-28
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. (VA)

XXXX XXXX XXXX reported me as thirty days late for the months of XX/XX/XXXX and XX/XX/XXXX, 2017. I have never been thirty days late on this loan. I disputed it and they did report it as never late to the three bureaus which reflected it correctly for two days in XX/XX/XXXX, 2017, They have reported it as late for thirty days for the same months again! I have called them four times and still they are reporting it incorrectly!
Their erroneous errors have cost me over {$15000.00} in my credit line as several credit lines have been reduced due to their errors!
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$41.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.