davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WASHINGTON FEDERAL BANK (WA)

I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington. 

XXXX XXXX XXXX XXXX XXXX  XXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX 

XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team. 

Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers. 

Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.
Consumer complaint received 2022-10-08
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: Self Financial Inc. (FL)

In accordance with the Fair Credit Reporting act This account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I made a purchase with my Macy 's credit card back in either XX/XX/2015 for a pair of white high top converse sneakers for my daughter. I last made a payment to them XX/XX/2015 which was supposed to count for my XX/XX/2015 payment. They were stating that I never made the XX/XX/2015 payment which made me told them to cancel this account which I though I did. Ever since then they have been sending me statements each month billing me for the card which I clearly told me that I did not want and which they expect a higher amount of payment which I am not willing to do as I have not touched that card since. They have also been calling me non-stop harassing me about this from a XXXX phone number so much so that I had to block the number but since I got a new phone, I have n't been able to download the app to re-block them again. This needs to stop immediately, I will only make a payment on what is owed from that purchase nothing else nothing more.
Consumer complaint received 2022-05-06
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. (FL)

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-10-24
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. (TX)

I have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX  XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-05
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. (IL)

Inquiries arent mine and shouldnt be on my credit report. 

DateXXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX DateDec XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX DateOct XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX DateSep XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RI XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateJul XXXX, XXXX CompanyXXXX XXXX, XXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX DateApr XXXX, XXXX CompanyXXXX  AddressXXXX DateMar XXXX, XXXX CompanyXXXX XXXXXXXX, XXXX XXXX AddressXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TN XXXX DateDec XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX AddressXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX, XXXX CompanyXXXX  XXXX, XXXX AddressXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Request OriginatorAXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Request OriginatorXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX AddressXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX  XXXX DateXXXX  XXXX XXXX XXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Request OriginatorXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but it saddens me that no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

This collection agency is furnishing an alleged debt of {$2100.00} that is on my consumer report with all XXXX credit bureaus. The collection Agency HUNTER WARFIELD which is at XXXX XXXX XXXX XXXX XXXX, FL XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the XXXX things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from different credit repair agencies can be produced if need be.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people!
Consumer complaint received 2022-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.
Consumer complaint received 2022-07-31
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. (MD)

On XXXX XXXX, I submitted a credit dispute to Equifax for XXXX XXXX XXXX XXXX XXXX, account number XXXX and received a notice on My Equifax stating the dispute was completed. After trying to access the report online for XXXX days with no success, I decided to contact Equifax by phone on XX/XX/2022. The representative stated the information was verified as accurate by XXXX XXXX XXXX XXXX XXXX. I explained to the representative that the last date of payment was incorrect, and the account is more than XXXX years old. The representative stated that the information can remain on my credit for XXXX years, according to the retention policy and my credit report has been update with the correct information. I explained to the representative this specific account ( XXXX XXXX ) has been removed from my XXXX and my XXXX credit report because it is more than XXXX years old, the date of last payment reflects an earlier date, and I reviewed my credit report the information was not updated. The XXXX XXXX XXXX shows the same as before. The representative only reiterated that same information as before. 

The XXXX XXXX XXXX ( account number XXXX ) information on my Equifax credit report is being inaccurately reported. 

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 rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account my written instructions.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (FL)

All THREE Credit Reporting Bureaus- Equifax , XXXX  and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
Consumer complaint received 2022-06-09
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-24
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. (TX)

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

Convergent XXXX XXXX has not removed the fraudulent negative remark on my Credit report after Convergent fraudulently acquired my Personal Identifiable Information to collect on a debt of a 3rd party. It's still showing on XXXX.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc. (NV)

On XX/XX/XXXX, I applied to rent a house in XXXX XXXX, NV with XXXX XXXX. After paying the {$85.00} application fee, XXXX XXXX XXXX hired AppFolio to do a tenant screening on me. I know my XXXX XXXX XXXX is XXXX with XXXX and so I applied after XXXX XXXX informed me she was looking for XXXX or better. A couple days later, my application to rent was denied. I now realize this decision was based on false information being passed on as if it came directly from XXXX. I have a membership with XXXX and am in contact regularly with that credit bureau. I received a letter in early XXXX from XXXX XXXX showing the tenant screening details from AppFolio , IncXXXX with a fraudulent XXXX XXXX not matching the XXXX score being reported by XXXX as of the date their background check was done. This hypocracy must stop. Consumer 's credit info is being verified and misued everyday by so called tenant screening and we are left to deal with the fraud!! I submit my formal complaint against both XXXX XXXX XXXX and AppFolio for providing false consumer XXXX XXXX data about me, and applying this score data while passing it off as though it came directly from XXXX ( per XXXX 's letter enclosed ). I have attached copies of XXXX 's tenant screening letter and a screenshot of XXXX 's actual XXXX score on my as of XX/XX/2021 to expose the fraud.