davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Les Zieve (CA)

Dear CFPB, FOR THE RECORD, On XX/XX/XXXX I filed lawsuit in XXXX XXXX XXXX XXXX California Division Case # XXXX against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) et. al. ( COPY ATTACHED ). 

I'm also Demanding for Cancellation and Rescission of Notice of Default and Notice of Trustee Sale XXXX # XXXX recorded on my property XXXX XXXX XXXX XXXX, CA XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX scheduled for XX/XX/XXXX. 

As of today, XXXX XXXX ( ZBS Law, XXXX ) has not cancelled the Trustee Sale despite the Active Federal Pending Lawsuit, Notice of Pendency of Action, and Plaintiffs Motion for Temporary Restraining Order. 


Under my private rights of action and administrative process I want to report that XXXX XXXX, has repeatedly ignored and has failed to respond to my Qualified Written Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letters over the years and one specific dated XX/XX/XXXX sent Certified Mail # XXXX ( COPY ATTACHED ). 

In addition, I never contracted with XXXX, XXXX dba XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX Trust at any capacity and never had any business relationship verbal or written. 

The XXXX, XXXX dba XXXX XXXX XXXX Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

Enclosed, you will find my Affidavit of Truth and Fact Notice of Special Appearance served to the above individuals and entities including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( COPY ATTACHED ). 

In addition, you will find Audit from XXXX XXXX and his Declaration under penalty of perjury that will confirm my above allegations ( COPY ATTACHED ). 

In Conclusion, XXXX XXXX and ZBS Law, XXXX, are hereby demanded to file in the XXXX XXXX XXXX XXXX 's Office a CANCELLATION OF NOTICE OF TRUSTEE 'S SALE ( Rescission ) for the fraudulent Trustee 's Sale # XXXX on the referenced Deed of Trust. XXXX XXXX, XXXX and XXXX, XXXX, & XXXX XXXX are also demanded to deliver to me a fully executed copy of the same document at the referenced property address. Respectfully, XXXX XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I GOT A LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX  TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXXI CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LETTER TO COLLECT THE SAME DEBT XXXX {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM TRANSWORLD SYSTEMS INC. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
Consumer complaint received 2022-03-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERISAVE MORTGAGE CORPORATION (GA)

Amerisave Mortgage did not notify me that my COVID-19 forbearance plan was coming to an end and to discuss available options, if any. I found out by calling their customer service who informed me. So I requested a loan modification package which Amerisave said I should complete before XX/XX/XXXX. I completed and sent all the required documentation to them on XX/XX/XXXX. I received a letter from Amerisave via their portal on XX/XX/XXXX that I was missing on more item which was a copy of my XXXX - XXXX. I immediately uploaded it on the same day, XX/XX/XXXX and haven't received any other document requests. I've been calling their service line nearly every day to find out if my file is complete and being reviewed for a loan modification or other available options, or if they are flat out denying me an option. Their letters also stated that they would not file foreclosure on my property as long as my application was deemed complete and under review or they denied me and offered an appeal period. To date, they will not respond, but their attorneys have sent numerous foreclosure letters to my home.
Consumer complaint received 2022-05-03
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: Telerecovery Corporation (TX)

XXXX doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but XXXX has had 2 chances to clear it up. They just rubberstamp the bad entry from TELE RECOVERY OF LOUISIANA  without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : TELE RECOVERY OF LOUISANA Original Creditor Name : XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (WI)

I had a Chase XXXX card with a limit of {$15000.00}. I was on vacation and without notice, Chase lowered my limit to {$11000.00}, about {$500.00} over my current balance. This was my primary credit card and only credit card I took on vacation with me other than my corporate credit card. I immediately contacted Chase through their secure messaging on XX/XX/XXXX about this. They responded and said they needed updated income information and employment information which I provided. I did not hear anything back by XX/XX/XXXX and requested an update. Again, I was still on vacation and this was my only credit card. Their response was that it was forwarded to the appropriate area. Receive a response on XXXX and they said I would need to call them and reapply for the credit limit. I said " no, I want the credit limit reinstated as I was on vacation and needed this card. '' They just kept responding with the same automated message. I told them to go ahead and just close the card and explained that I believe their practices are manipulative as they provide a card with a limit and rate based on people 's credit hoping that people use the card and that it becomes their " top of wallet '' credit card. They then unprovoked, reduce the credit line with no notice. This now impacts the cardholder 's credit score as it increases their revolving debt compared to open credit availability. They then make their lending decisions and assign rates to these cardholders based on this. If I would have reapplied for the card, they would have potentially increased my rate because of the move THEY made. They are manipulating the system to their own benefit. Charging me an interest rate based on risk, getting me to use the card, and then once used, revoke the card without having the opportunity for me to choose another card.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (NV)

XXXX, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the XXXX XXXX and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

On XXXX XXXX, 2024 I sent a certified letter to Jefferson Capital Syst, requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature. 
2. **Evidence that they are legally authorized to collect this debt in Pennsylvania** , such as proof of their licensure in the state. 

Despite this formal request, Jefferson Capital Syst has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in Pennsylvania. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-05-03
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-03
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Has been an ongoing problem for over a year with them we file for XXXX relief and then were expected to pay it all back in XXXX lump sum which we did not have obviously. they said that it was being worked out and we should hear for them very soon that was back in XXXX the bottom line is we just want to refinance our house with a different company and pay them off and be done with them but whats holding us up is there reporting that were delinquent on our payments to this nightmare of an ordeal if they can remove that we can pay them off they would be done with us and we could start off on a new loan and get on with our lives
Consumer complaint received 2022-04-24
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)

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


XXXX XXXX Account XXXX, XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 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 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 2021-12-23
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. (MS)

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.

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 2021-12-23
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. (MS)

I sent disputed to XXXX, XXXX and Experian 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. 

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 2024-10-09
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: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-20
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)

XX/XX/XXXX - I submitted a dispute with Experian inquiring that the creditor ( XXXX XXXX XXXX XXXX XXXX  ) agreed to remove a 30-day late payment dated XX/XX/XXXX from my report, attaching official correspondence. 

The Experian Report Number XXXX ( XX/XX/XXXX ) shows that the completed dispute DID NOT remove the XX/XX/XXXX late payment. Instead, Experian chose to fraudulently move the 30-day late to XX/XX/XXXX. I was NEVER late on XX/XX/XXXX and have attached the XX/XX/XXXX statement for your review. Please also review the attached Experian Report Number XXXX, showing that the 30-day late was moved from XXXX XXXX to XXXX XXXX. 

XX/XX/XXXX - I refiled another dispute stating that the 30-day late payment was never removed but instead moved to XX/XX/XXXX. I even called a specialist expressing my concerns, only to be brushed off, saying the dispute was already in process. This is ridiculous as he never bothered to take notes. 

XX/XX/XXXX - The completed second dispute ( Experian Report Number XXXX ) reflected that nothing was done with a message from an Experian Specialist stating, " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. '' I found this baffling as Experian fraudulently moved the 30-day late from XXXX XXXX to XXXX XXXX and is now refusing to remove the 30-day late because it does not fall on XXXX XXXX anymore. This shows that Experian did NOT even read or acknowledge my dispute concerns on both the online dispute AND the phone call. If they had read my dispute explanation, all of this would have been quickly resolved. This ordeal has caused me so much distress as I can not qualify for an ideal interest rate for an upcoming mortgage due to the carelessness and abuse inflicted by Experian. 

I have attached both Experian Report Numbers from XX/XX/XXXX ( Report Number XXXX ) & XX/XX/XXXX ( XXXX ) for your review. Furthermore, I have also attached both XX/XX/XXXX & XX/XX/XXXX XXXX XXXX statements reflecting that I was only late for the month of XX/XX/XXXX. Lastly, I have also attached the official correspondence from the creditor " XXXX '' agreeing to remove the 30 days past due reporting for XX/XX/XXXX.
Consumer complaint received 2022-05-03
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-03
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX BANKRUPTCY ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (CA)

Some one applied to open a XXXX XXXX XXXX credit card under my name. The application number is XXXX. XXXX  phone number is XXXX. I contacted XXXX they are reporting as credit fraud.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE 1 INCORPORATION (MI)

Early to med XX/XX/XXXX I reached out to XXXX XXXX at Mortgage 1 to inquire about a re-fi on my existing mortgage with a cash out option for the purchase of a second home. We went over options and I explained my situation and that I had been with XXXX XXXX since I purchased my home through XXXX and Mortgage 1 in XXXX of XXXX and the mortgage got sold to XXXX XXXX. I told him I loved XXXX XXXX and was only interested in doing a re-fi if I could stay with them. He assured me that would not be a problem. I did not re-fi directly with XXXX XXXX because due to covid, they are not doing the cash out re-fi options at that time. So I proceed to re-fi with Mortgage 1 and XXXX and his staff. I regularly made it known that I wanted to stay with XXXX XXXX and each time be it text, email or phone call, I was assured that would not be a problem. At closing, I brought it up to the lady I signed with once again to see who I write my first payment to in XXXX as closing was XX/XX/XXXX. She said to call the office in 10 days to see if it is Mortgage 1 or not and we left. On XX/XX/XXXX, I received an email from XXXX 's office stating my mortgage was bought out by Mortgage 1 and all my online information was enclosed to access my account. I was furious. XXXX had lied to me over and over just to get my business, and I am not sure how much money his office made off my re-fi but he did not give me what he promised me over and over. I am so diasppointed and If it wasn't so much for closing, I would re-fi with XXXX XXXX now just to get away from Mortgage 1. I feel XXXX lied to me and made promises to get my business.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.