davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX FXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX. XXXX XXXX XXXX XXXX, WA, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury
Consumer complaint received 2022-02-22
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX check, XXXX # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, XXXX # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

In short, my spouse and I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. In XXXX XXXX, our trustee filed a " Notice of Completion of Chapter XXXX Plan Payments to Trustee '' and served it to us, our attorney of record, other secured creditors and to the law firm representing our mortgage servicer, Greentree Financial dba Ditech which was transferred from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. Approximately 30 days later, Ditech 's attorney provided a response to the Trustee and our bankruptcy attorney indicating while they confirmed receipt of the Trustee payments, the debtors, meaning my husband and I, were allegedly delinquent in our mortgage payments by XXXX {$36000.00} which equates to approximately 24 months of past due mortgage payments ( that documentation has been attached to this complaint ). Documentation provided to substantiate their claim has been inconsistent, incomprehensible and ambiguous at best ( that documentation has been attached to this complaint ). You should know that the first time we were notified about a gap in payments is when a law firm representing XXXX XXXX XXXX sent an intent to file for a motion for relief to our attorney in XX/XX/XXXX. We challenged them by requesting a copy of our pay history and upon receipt we learned that XXXX XXXX XXXX was posting post petition payments to pre-petition shortages ( the months included in their proof of claim ) erroneously. Once our attorney challenged their findings by providing the XXXX pay history documentation to XXXX XXXX XXXX 's attorneys, we never heard from that firm again ( that documentation has been attached to this complaint ). When my husband 's employment was impacted, being proactive and accountable, we applied for loss mitigation assistance with XXXX Home Loans and were pre-qualified for a HAMP loan modification program ( documentation has been attached ). After we completed the trial payment plan, we opted out and raised objections about the terms and conditions ( documentation attached ). Those inquiries were never answered. What we 've experienced has been overwhelming to say the least! We 're distressed and infuriated because verbal and written requests for information have gone unanswered and our attorney 's efforts to obtain specifics have been to no avail. Our discharge hearing has been postponed twice because we 've been challenging them. It 's been rescheduled for Thursday, XXXX XXXX XXXX. We need help with holding XXXX XXXX XXXX, Greentree and Ditech accountable as we fear we 're being victimized and at risk for foreclosure. We want now what we wanted then and that is -- - irrefutable evidence of our past due status and transparent, legitimate documentation supporting how our payments have been applied and why if we missed that many payments, the bank failed to exercise their right to repossess? Thanking the CFPB in advance for your immediate attention to this matter.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax 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 cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/2022, I initiated a dispute claim to Equifax in reference to accounts and inquiries on my consumer credit report ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I did not give expressed written consent to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Equifax for using my information to furnish items on my report without my consent. These items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent three notices to Equifax since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

on XXXX XXXX, 2022, I consumer XXXX XXXX contacted LEXIS NEXIS to request a copy of my consumer report. LEXIS NEXIS requested that I provided them with a copy of my drivers license to identify me, which I did. LEXIS NEXIS sent me a letter stating they are unable to identify me, although I submitted proof of my identity. I have requested my report on numerous occasions and LEXIS NEXIS is failing to provide me with my report.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Our mortgage was previously being serviced by Seterus Inc up until about XX/XX/XXXX when the mortgage was transferred to Mr Cooper Mortgage. The problem is during this transfer, I was in the middle of doing a loan modification on my loan. On XX/XX/XXXX I set up 3 payments per Seterus to be ACH drafted from my account XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for the monthly trial payments as per Seterus Inc direction. My first two payments were applied correctly and then the third was not and a portion of the modification payment went into an " unapplied funds '' account with Mr Cooper. Mr Cooper did not keep in place the loan modification agreement that I was already in. Mr Cooper has violated many mortgage lending laws in one reporting me delinquent  during this transfer period and two, they did not and would not honor the modification already in process. They would not allow me to go into another modifcation agreement since they said I did not complete the first one in which I clearly did and have banking records to prove. Mr Cooper stopped my already in place modification not me. I fought with them back and forth throughout XX/XX/XXXX trying to get my already set modification back into place since I had made all of the required payments but Mr Cooper refused any assistance. After 6 months of back and forth I finally paid over  {$49000.00} to bring my loan current and cover between $ 7- $ 8k in fees that Mr Cooper added to my account. I feel that Mr Cooper forced me into having to pay all of these fees as they would not honor the modification alreay approved.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (MO)

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to Discovers CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MS SERVICES LLC (CA)

MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : XXXX
Consumer complaint received 2022-08-25
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. (PA)

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

My husband has been sick, We were in and out the hospital since XX/XX/2016. He passed away on XX/XX/2016. I am trying to deal with all money being cut off and then restated. I informed Wells Fargo of the problems I am having and that it would take some time to straighten it out. I have faxed the death Certificate twice to them.Our mortgage company WELLS FARGO is calling every 15 minutes. Today the lady informed me that they are foreclosing on the house. I consider this harassment after i have followed what they told me to begin with. I called them they informed me they needed Death Certificate Faxed to them
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account Number XXXX {$68.00} XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX  Account Number : XXXX Please remove it from my credit report