davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my Equifax report on XX/XX/XXXX without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with XXXX XXXX Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand.

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters and police reports to Equifax disputing the inaccurate information listed on my report and I received numerous letters from Equifax informing the disputed information is accurate. I want the following fraudulent accounts listed on my Equifax credit report removed immediately from my credit report : XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX Account Number : # XXXX XXXX, Account Number : # XXXX Collection XXXX, Account Number : # XXXX Of XXXX, Account Number : # XXXX XXXX XXXX Account Number : # XXXX XXXX Bank USA XXXX XXXX Account Number : # XXXX BankXXXX XXXX XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Loan XXXX XXXX XXXX Account Number : # XXXX Bank/GLELSI, Account Number : # XXXX Bank, Account Number : # XXXX XXXX, Account XXXX : # XXXX XXXX. XXXX, Account Number : # XXXX
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

Two hard inquires on my credit without my authorization or consent for 2 registered companies under XXXX : The Company XXXX XXXX XXXX and The Company XXXX XXXX These were both done without my knowledge or consent or signature to allow for any credit check. I made absolutely No Attempt to retain any services from these companies. 

This looks like Identify Theft which also seems to be stemming from Equifax posting false Inquiries to my Credit report. 
Thank you, XXXX
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

I first requested my free yearly credit report from the government web site in XXXX 2016. Experian said they did n't understand my request. 
I just today made my 3rd request for that same first report.Experian is again asking for ID I have already provided twice before. Can you help me get my reports from these XXXX? 

Thank you.
Consumer complaint received 2020-10-05
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have repeatedly sent correspondences to Experian regarding accounts that they are reporting incorrectly. I have repeatedly asked for the methods in which they " verified '' the information they are reporting. If they truly would investigate these accounts, they would see the errors.Their lack of response and continuous reporting of these erroneous accounts have severely impacted my quality of life and ability to become gainfully employed, as well as find a home for my family in a safe neighborhood. 

The accounts I am disputing are : 1 ) XXXX- Not my account 2 ) XXXX- incorrectly reporting a balance of {$630.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 30 days late on XXXX 2014 4 ) XXXX- Incorrectly reporting a balance of {$1500.00}. 


They have also failed to mark my the accounts as " disputed '' on my credit report within the 30 days of receiving my letters, as required by law. For these reasons, the only satisfactory outcome is to have these accounts deleted from my credit report.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WI)

It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (NV)

So in XXXX I was in Florida on Vacation while someone used a fake debit card to withdraw {$800.00} from XXXX ATMs. XXXX which was a US Bank ATM. I contacted US Bank as soon as I saw this the Monday that I was back. From there they conducted an investigation that took until XX/XX/XXXX to tell me that I was denied. When I called them a lady who has never seen me in person handling my case told me that I was verified on film. So I gathered my plane ticket, as well as credit card statements proving that I was in Florida and not Nevada at the time of the incident and went to my local branch so that if their was video they could see it was n't me and I had documentation to show it could n't have been me. That was in XX/XX/XXXX where I asked them to reopen my case. From there I called about every other day with no response from my case processor until XXXX XXXX, 2016. She told me that it is on film and to contact metro if I had a further dispute. So I contacted metro, and filed a police report. At that time I learned that cards were being skimmed from the US Bank ATM 's in my area, which the bank failed to mention during their investigation. They also told me that because so much time had passed that they could n't do anything, but that XXXX people had been arrested. I do n't think it is fair that I am out {$800.00}, which is significant to a XXXX, when they were provided documentation that it could n't have been me. They also drug it out so that I could n't get help from the police either. I thought they would be investigating that they allowed someone to take out my money that I entrusted to them, from their ATM, using a fake card. At this point I feel that it is their responsibility to correct the problem and go after whoever they have on film that they allowed to take my money.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I refinanced my home. I paid off the existing loan before the 30-day late period, yet my credit score has been hit with a 30-day late on the account. It has been a month and it is still there. They are saying I am paid in full and never late, yet my report still shows it.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC ()

Issue # 1 LoanCare just acquired this loan from XXXX They never send me any mail information to my address I had with XXXX. 
However, my payment was on auto pay with XXXX and never had no issue with them. 
since Loancare acquired I been having some many issues. 
loancare purchase my loan and with in the first 2 months they report me late 60 days then went ahead and called, spoke to a rep some many time and some email I send them they will not give me wherever information they have about me in they system I went ahead instead I give them my information that I give to XXXX. 
I gave my credit card information to set up auto pay and pay the 60 days " late '' i asked the costumer representative many time to make sure this will not impact my credit score she said " no you are not late yet '' gave my credit card information to pay new account with loancare Charged for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
However, LoanCare reported my mortgage 60 days delinquent. 
I called LoanCare and was told to send this email in order to have this mistake corrected they refused to fix my credit report. 
Please help correct this error right away as i need my credit score accurate in order to finance a car. 
Issue Number # 2 Loancare REFUSES to pay For my insurances for the property. 
Property has XXXX units XXXX different property address with the same parcel number. 
I also talke to them many times and they keep saying we are sorry we only purchase XXXX unit and that what we are unsurance. the property is XXXX unit and XXXX units attached they will not pay for the insurance of the XXXX units attached. 
the Property has been with out insurance for the past 8 months. 
Thank you for your attention to this urgent matter,
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking!
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

On XXXX/XXXX/2016 my company requested a verification of mortgage through the email service at Loan Care, XXXX XXXX. After being told that this request would take 7-10 business days and calling daily and speaking with numerous customer service representatives I have received the information on XXXX/XXXX/2016. This delay has cost our client to lose money on the refinance that she is currently in the process of completing. I have spoken with agent 's numbers XXXX, and many more who mumbled their ID number. I have been transferred around and told that even though this was to be put on " high priority '' per the customer service personnel, that I was unable to speak with any managers. They were always too busy to speak with me and I was unable to hold to speak with them. Only after spending my full morning requesting the item necessary I have finally received this item. I offered for our client to call in to assist in expediting, they stated that this will likely not help our situation.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

On or around XXXX XXXX I was finalizing a XXXX XXXX Bankruptcy. I received correspondence from XXXX County Municipal Courts stating my loan was current and a request was made to dismiss my Bankruptcy and stop my foreclosure proceedings. This request was made by Attorneys representing XXXX XXXX. I had successfully completed 60 months of my payment plan made by my Attorney and the Trustee to saved my home from foreclosure. On or around XX/XX/XXXX I started to receive collection calls from one Loancare company stating that I was in default and that I now owed {$3400.00} on my mortgage. 
The gentleman whom I spoke with never produced any proof that there was in fact a delinquency, I asked if this was a collections call from the loan servicing company he said yes. I asked if he was familiar with FDCPA? I made a request for a full Itemized list of all payments made and payments received to confirm that if I was in fact delinquent that the proper protocol were if fact being followed. A few days later I received a dunning letter without a itemized list of payment. There was not proof of anything that would show that Loancare was a company that was entitled to receive payment on behalf of XXXX XXXX ( XXXX ). The calls were a violation of Section 807 ( 11 ) of the FDCPA Inital Communication and Subsequent Communications. XXXX XXXX al v. XXXX et al, No. XXXX - XXXX XXXX ( S.D. Ohio 2010 )
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Troy Capital, LLC (GA)

A company called troy capital llc. has been running a hard inquiry on my credit without my approval This is the second time this year that this company has ran a hard inquiry on my credit And it's concerning that a company I have no knowledge of, would have my personal information and run my credit without my knowledge or approval Date of inquiry XX/XX/2022, was the first time i disputed the inquiry and XX/XX/2022 is when did another inquiry
Consumer complaint received 2016-03-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

I currently have a mortgage that is serviced by LoanCare ( a XXXX company ). Using their web site MyLoanCare.com I attempted to make my mortgage payment as I always have on XXXX XXXX, XXXX in the amount of {$1300.00}. According to their site records this payment was reversed on XXXX XXXX, XXXX. I looked thru my bank statement during this period of time and I am not showing that a withdrawal was ever even attempted. I logged in again to attempt to correct this on XXXX XXXX, XXXX and made another payment of {$1300.00} which also show on their web site as reversed on XXXX XXXX, XXXX, again with no record on my bank statement of ever being attempted. On XXXX XXXX I received a phone call from LoanCare telling me that the payment had apparently not gone thru still. I asked the woman how this was happening as I had never had an issue making payments on their site before in the almost 6 years prior. She told me I must have typed in the routing number or account number incorrectly which seemed unlikely as the web site makes me confirm these and it had never occurred in the past. I continued making my payment since then and have not had an issue again with the web site. 

I later discovered that LoanCare was reporting a 60 day mortgage late which has greatly hurt my credit score and ability to purchase a new home. As this was caused by some sort of web site error I called LoanCare on XXXX XXXX, XXXX asking as a one-time courtesy that they remove the 60 day mortgage late they are currently reporting from XXXX XXXX. I was told I must e-mail them making this request which I did that same day. I was informed by the woman and confirmed via e-mail that I would receive a response in 10 business days. I never received a response. I also called their executive office and left a voicemail at the number XXXX on XXXX XXXX to see if it was possible to expedite the process in any way. That has also gone unreturned as of today. I have called multiple times again since then but the woman 's mailbox is full on that number so I assume I will not be getting a call back from her any time soon. 

This is the only late reporting on my credit with LoanCare. They have no automated system set up to inform the consumer if their web site decides to decline a payment as it did here. They are in my opinion one of the worst servicers of mortgages I have ever had to work with and their customer service is awful with hour plus wait times to speak with someone at times. At first I thought they were a nuisance but had I known they would damage my credit with their outdated and cumbersome online payment system I would have refinanced years ago and paid a higher interest rate just to get away from them. They bought the servicing on my loan and it has been a nightmare even since that is now stopping me from purchasing a new home due to the inaccurate 60 day late on my credit score. The CFPB is my last hope as my calls, e-mails and voicemails have resulted in no help or the majority of the time are n't even returned.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Altitude Community Law P.C. (CO)

I am receiving correspondence from XXXX and XXXX. XXXX is a blogging company and they are doing business of XXXX law firm with this company without representing that is the case.