davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro XXXX Compliant Reporting Format Standard XXXX XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account XXXX Please remove it from my public record XXXX XXXX  Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXX  - Account XXXX This is not mine.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX, XXXX, and Equifax are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the District of Maryland stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been going back and forth with XXXX XXXX XXXX for at least 2 years now regarding some accounts they added to my XXXX, Equifax, and XXXX credit reports that absolutely does not belong to me. Every time i ask them to investigate and update their files by removing these accounts that are not mine, they always send a generic letter stating the accounts were verified. I've sent several certified letters to XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX asking for proof or validation of these accounts and each time they just ignore me or resend the same generic letters that says " verified ''. This is how I know they are not doing their due diligence and taking out the time to perform a real investigation. I've even reached out to XXXX, Equifax, and XXXX and pointed out all the discrepancies on my credit reports such as different dates of last activity, different dates the accounts were opened, different spellings of my name, different amounts owed, all from the same accounts but the XXXX credit bureaus all have different information. Outside of the fact that these are not my accounts, all these unfactual discrepancies alone should've had these accounts removed from my credit file. As a consumer I have rights and I feel like those rights have been violated by XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

On XX/XX/2022, I received written communication from Credit Collection Services indicating that I was owed {$1600.00} for a past due amount from the original creditor XXXXXXXX XXXX XXXXXXXX XXXX. I contacted CCS and explained that I had been in contact with XXXX XXXX because the amount was incorrect, and we had been working to resolve the matter directly with XXXX to come up with the correct amount owed. CCS maintained that I owed {$1600.00} and reported this amount to the credit bureaus despite being told that it was the incorrect amount and it was being handled directly with XXXX. After speaking with XXXX XXXX and the amount was corrected to {$890.00}, I again notified CCS that the matter was being handled directly with XXXX and asked them to remove the debt collection from my credit report. Instead of removing it from my credit report, CCS adjusted the amount to {$890.00}, giving the impression that I had made a payment directly to them. When I contacted them again and asked them to remove it from my credit report and explained that I was dealing with it directly with XXXX, they refused. I explained again that I would not be paying them, but paying XXXX  directly, CCS still refused to remove it from my credit report. The payment was made to XXXX directly ( see receipt ) and yet it appears that it was made with CCS and is still appearing on my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MI)

Mortgage Lender : LoanCare I have been attempting to pay my XX/XX/2023 mortgage since XX/XX/2023... six freaking days. 

I can not access their website, app, or customer service to make a payment. I absolutely refuse to send this company a physical check. This is not just me... there are many out there experiencing the same problem. 

You simply can not get ahold of anybody at this company. When you call customer service it automatically hangs up on you. There is zero communication indicating if something is wrong... nothing via physical mail or email. Not any kind of automated message when you call other than the sound them hanging up. 

This is outrageous and completely unprofessional! How exactly am I supposed to pay my mortgage? What exactly is going on? Why can we not access anything to make payments or talk to anybody? Its like this company has completely fell off the face of the earth. I will be filing a lawsuit If I end up with late fees and a credit hit because of this XXXX company 's inadequacies. We should have the option, with out having to refinance, to leave this XXXX company and go to another lender that is at least competent at running their business. Nobody has ever asked for LoanCare to service our mortgages... trust me! 

THIS IS NOT OK
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2022-08-13
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. (FL)

Experian will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with XXXX XXXX XXXXXXXX they also have potentially negative i contacts the td finance and they told me to dispute thru experian but experian will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my XXXX XXXX XXXX the one that is open XXXX correctly I have never been late and I would like XXXX XXXX XXXX contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need XXXX a XXXX XXXX  to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX XXXX. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am filing a formal complaint against Experian and XXXX, two major credit reporting agencies, for apparent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i, Section 611. 

Over the past several weeks, I have been actively disputing inaccuracies on my credit report with both Experian and XXXX. Despite my continuous efforts and communication, I have observed persistent discrepancies that have not been addressed appropriately. 
15 USC 1681e ( b ) : Under this section of the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer report. It appears that both Experian and XXXX have failed to adhere to these reasonable procedures, as the inaccuracies on my credit report have not been rectified, causing significant harm to my creditworthiness. 
According to this section, a consumer reporting agency is obligated to conduct a reasonable investigation into disputed information within 30 days. Despite disputing the information on my credit report for an extended period, neither Experian nor XXXX have provided me with a description of the investigation process, as mandated by the FCRA. 
I will kindly request that the Office of the Attorney General investigate the actions of Experian and XXXX concerning my credit report. Specifically, I am seeking assistance in ensuring that both agencies adhere to the provisions of the FCRA, promptly conduct a thorough investigation into the disputed information, and provide me with a detailed description of the investigation process as outlined in Section 611.

I appreciate your attention to this matter and trust that the Consumer Protection Division will conduct a thorough investigation into the alleged violations by Experian and XXXX. 
I look forward to a prompt resolution to rectify the inaccuracies on my credit report and that both credit reporting agencies comply with federal law.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I received a letter from Penny Mac stating the escrow would be sent to me in XX/XX/XXXXfor payment to local County to apply in XXXX. I never received the funds. I have called and repeatedly asked about the funds and been told it was sent to XXXX County, It was sent to me, and that it would be sent XX/XX/XXXX, overnight, with me receiving it onXX/XX/XXXX. I have received nothing. 

I called again yesterday, XX/XX/XXXX, and have yet to receive a call back from Penny Mac as to the status of the funds. The due date for the taxes in today, XX/XX/XXXX. I have already missed theXX/XX/XXXX tax season to pay the taxes in XXXX.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MI)

My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.