davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (CA)

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. 

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 2015-09-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (ID)

I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}
Consumer complaint received 2015-12-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Friendly Finance Corporation (FL)

I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXXXXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (AL)

Hello I have contacted XXXX, Experian, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Consumer complaint received 2023-04-05
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my XXXX try to inform you that I am a victim of identity theft and I complain to question particular accounts in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$98.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$45.00} XXXX  XXXX Balance : {$94.00}
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Lender improperly moved for foreclosure judgment or sale before   one of the following occurred : ( i ) the institution notified the borrower that it had denied the loss mitigation application for any loss mitigation o and if an appeal is available, either the appeal period had expired or the appeal had denied ; ( ii ) the borrower rejected all the offered loss mitigation options ; or ( iii ) the borrower fails to perform under a loss mitigation agreement ( 12 CFR 1024.41 ( g ) ).
Currently in review for modification and citing " dual tracking ''.
Consumer complaint received 2022-02-04
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. (AL)

Hello I have contacted XXXX, XXXX, and Transunion the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Assurance Professionals LLC (MS)

After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address. XXXX XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.
Consumer complaint received 2016-12-13
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

We filed a construction loan application with Webster Bank XX/XX/XXXX. Admittedly, we had some delays due to finalizing the plans of the home. Once we were ready to close on the loan, and submitted the final contract to the bank, we have had delay after delay due to the inefficiency and lack of attention to detail of the underwriting process. We have had documentation requests come through piecemeal XXXX and XXXX documents at a time. As we fulfill the requests, new and different documents are requested. Further, they have asked for some documents 2 or 3 times, despite our already providing them. It is now XX/XX/XXXX, and our appraisal is expiring for a second time - requiring further delays to the closing date. We have been prompt and punctual through this process but the underwriter turn around is approximately 2 weeks from each delivery. This is unnecessarily drawn out and the goal keeps changing leading to inefficiencies and consumer burden.
Consumer complaint received 2016-06-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. 
Then For this debt is not valid.
Consumer complaint received 2015-08-28
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Patenaude & Felix A Professional Corporation (NV)

COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My husband and I were approved for a loan modification and the mortgage lender still has not update our credit reports. I have sent them communications and disputed with the credit bureaus and nothing transpired. It has now been a year since the loan modification has taken place and our credit is still being impacted with their inaccurate reporting. The credit report shows us as being past due {$2400.00} as XXXX/XXXX/2016 the last update from my dispute. This incompetent mortgage lender SLS Specialized Loan Servicing company has ruin XXXX our credit for an year and I want it resolved immediately.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXX I received a debt collection letter stating I owed Commonwealth Financial Systems {$300.00} for a debt at XXXX XXXX which I have never heard of. I was asked to notify their office in writing if I disputed the validity of the debt within 30 days of me receiving the debt collection letter. I disputed the validity of the debt and asked for verification that this debt truly belonged to me. I asked for a break down of services provided. I also asked them to please not place anything on my credit report until the dispute was resolved. I did all of this in writing and sent the letter certified mail. Commonwealth Financial Systems received my letter on XX/XX/XXXX, well within my 30 day allotment. 

On XX/XX/XXXX I checked my credit report to find that they reported it to all XXXX bureaus which of course caused a XXXX point drop in my score. Once I noticed that they did indeed place the collection account on my credit and I still had n't received any mail validating the account I called their office. Once I reached a representative they confirmed that they did in fact receive my debt validation letter but did n't have any information to provide me about the debt owed. The only thing the representative could tell me was that he assumed it was a medical bill from XX/XX/XXXX but could n't provide anything else. I asked who to contact for an itemized bill stating services provided on that day and was told to contact XXXX XXXX XXXX. I asked for contact information for XXXX but the representative told me he could n't provide that information. 

I also explained that the certified letter I mailed them stated not to place any information on my credit report until the dispute was resolved. However, since this request was not obliged by Commonwealth Financial Systems in addition to the fact that I still have no information in regards to the debt I let the representative know that I would be filling a complaint and ended my conversation.
Consumer complaint received 2023-04-05
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. (CA)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX or XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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. (MA)

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

XXXX XXXX XXXX XXXXXXXX Filed Date XX/XX/2012 XXXX )
Consumer complaint received 2019-05-28
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. (IL)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.