davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (LA)

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-08-17
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. (TX)

You said that these accounts has been verified and the item belongs to me : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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. Again you have not provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that these accounts be immediately Deleted from my credit file. You stated that you have completed your investigation, including contacting the furnisher of the information, where applicable. You haven't provided me any original documentation bearing my signature from any furnisher. So therefore you haven't done any thorough verified investigation. Please reinvestigate these accounts listed and provide me documentation bearing my signature from the original furnisher and not a XXXX agency. If you can't provide any documetations bearing my signature then DELETE all accounts listed. You have stated that these accounts were verified but how is that possible if you did not do a proper investigation according to the LAW. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. If no action has not been taken of my request I will contact my lawyer as a result in small claims action against your company, seeking {$1000.00} per violation for XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-25
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. (NJ)

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-20
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MA)

My name is XXXX XXXX I am writing to you about my estate problem I have been dealing with for quite some time. The first time I had this problem is when my mother passes away. I have been doing everything I can to keep my mothers home. Please excuse my grammar if it sound rushed. This problem is very frustrating and exhausting. Back in XXXX I had to take care of my mother estate. I had a lawyer, but he was expensive so he could only go as far with my case. Leaving me wondering and confused I never heard back from him my mother estate went under foreclosure. My nightmare begins I can never get in touch with my lawyer. At the time all state and city municipal institutions were closed or backed up due to Covid-19. I was not getting nowhere and put on hold. In XXXX the AGO reached out to me I was help by a very nice man name XXXX XXXX who does not work for the AGO no more, but now I work with XXXX XXXX who is just s helpful and concerned. Before XXXX XXXX left everything was going okay. I started working as a XXXX XXXX  and Massmortagehelp.gov help me out by get my mothers mortgage updated and correct. I was paying the mortgage unit I was released from my job and was told to look for a job ASAP. I started working around XX/XX/XXXX until XX/XX/XXXX. I was supposed to be permanent, but one of the supervisors decide to retire. Because he retired me and another employee was terminated, we were recently hired, therefore we were let go first. This dilemma has cause me to go backward and now I am back in a financial crisis. I am on XXXX ( SSXXXX ) my income is fixed and low. I am a XXXX XXXX who is having trouble finding and getting a job. I went back to school and work so I can help my mother and her estate. There is more to my story and I only can write as much. I am asking can someone please help me. 
Sincerely XXXX, XXXX XXXX XXXX. Due to my financial problems please contact me via email XXXX Thank you
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, Collections : 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 2021-06-09
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: National Credit Systems,Inc. (TN)

I wanted to know are you the owner of the original debt?

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I received several forms and letters from Freedom Mortgage. I was told a notary public would arrive at my home to sign loan modification documents and I should begin making payments XX/XX/XXXX. The full mortgage payment was paid XX/XX/XXXX. Since I signed the document on a weekly basis I either receive a call or a letter that I owe for XX/XX/XXXX. 

I consistently advise the customer service agents that call me for over due payments that this is not correct and please review my account. I am then advised that my account is not updated and will be updated soon. On XX/XX/XXXX I received another call from from freedom that I owe for XX/XX/XXXX. I told the rep I paid that mortgage. She said to me that amount was applied to my XX/XX/XXXX mortgage. 

On XX/XX/XXXX I received a letter that I owe over {$5000.00} I have tried effortlessly to fix this issue with Freedom. I am given the same answer each week. The answer is the system needs to be updated.
Consumer complaint received 2021-08-20
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. (NV)

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.
Consumer complaint received 2021-08-20
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. (NV)

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.
Consumer complaint received 2020-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I submitted a debt validation request to previous debt collector XXXX XXXX XXXX on XXXX and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XX/XX/XXXXXXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. Reinserting a debt after it being removed from credit bureaus is a violation of the FCRA.

Also i submitted the dispute to nca 's account manager, XXXX XXXX, on XX/XX/XXXX and received an email back from nca on XX/XX/XXXX indicating that they received my document I provided to show that the loan was paid for. And i haven't heard back from NCA or by writing since XXXX which is way past the 30 day deadline to respond to a pending dispute.
Consumer complaint received 2021-08-20
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. (MN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 49 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information, accounts and inquiries that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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. (NY)

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within XXXX business days of receiving a complaint that includes specific information, as outlined below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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: Experian Information Solutions Inc. (CA)

XXXX ) Experian is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
XXXX ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (GA)

Within the last 48 hours, my husband submitted a complaint to CFPB for an alleged debt that was never reported to him and he received a call from the collection agency on our landline, and now I received a call today on my cellphone from Optimum Outcomes Inc. from their main number XXXX that I did not answer at XXXX XXXX. Of course, no message was left and there has been absolutely no written notice of any debt from any provider, let alone any billing, for years at this point. Continuing to call a party with absolutely no proof of any debt or even giving an opportunity to dispute a debt is simple harassment.
Consumer complaint received 2021-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (GA)

my late husband and I took out a home equity line of credit with PNC Bank of XXXX, Pa dated XX/XX/XXXX for a maximum of {$50000.00}. I do not remember the amount we took out but it has long been repaid. There was a security deed recorded in my county to this effect. I am in the process of selling this home and the closing attorney and I have been trying diligently trying to get a release of lien since XX/XX/XXXX. It took repeated calls to customer service to finally find out what we had to do to get the release. The attorney faxed at least two letters asking for help with no response. On XX/XX/XXXX we faxed a letter, signed be me, asking for the release and enforcing the fact that a hard closing date was XX/XX/XXXX. I called on XX/XX/XXXX and was told the letter was worded wrong, this after they had told me what to put on letter. The same day another letter was faxed per their instructions and once again asking for a rapid response. It is a simple matter to send a short letter stating that there is not a balance owed and that the lien release is forthcoming. A fax number and email address was provided. This is an account that I have no memory of as my late husband handled all this type business back then. The least this mega bank could do is respond quickly to a customer request as they expect their payments on time. Their lack of urgency will result in our closing date being missed and quite possibly losing this sale resulting in a financial loss to me.
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: Experian Information Solutions Inc. (MI)

{$470.00} XXXX XXXX  Closed Charge_off {$330.00} XXXX not more than XXXX payments past due {$390.00} XXXX XXXX XXXX  Not More Than XXXX Payments past due {$6.00} XXXX XXXX XXXX as agreed XXXX XXXXXXXX XXXX XXXX Closed account Hard Inquiries XX/XX/XXXX Consumer portfolio Services XX/XX/XXXX Global Lending Services XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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