davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MO)

I am trying to sell some of my real estate that has a loan through Caliber Loans. The title company has found an issue with the legal on the open mortgage. I am needing to get the legal description issue resolved so I can sell a portion of the property. Myself and the title company has sent the needed information to clear up the issue but the lender has not fixed the issue in 5 months. 
We filed a complaint with CFPB on XX/XX/XXXX. The company responded but still had the legal incorrect. To begin with they had my home loan against tract 2 which I no longer own. It is supposed to be against tract A and B, which is the tract my house and shop sit on. After contacting them about this problem they tried to correct it by putting the loan against tract 1 which is still incorrect. The loan is supposed to be against tract A and B NOT tract 1 and 2. I have attached the legal documents to further explain.
Consumer complaint received 2021-08-17
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: LEXISNEXIS (NJ)

On XX/XX/2021, I sent out paperwork to Lexis Nexis asking them to validate how and where they received information on a bankruptcy that they are reporting on my credit report.They have not sent me anything In writing as to how they validated this information they are reporting on my credit report. And the federal law requires them to respond within a 30 day window, and they are sending out consumer reports and not what I am asking for. I reached out to you guys before on another matter and to know avail. I really hope we can reach a resolution on this matter. I am only coming here because I was told this is what you guys are here for. And if they received this information thru E-OSCAR it is not legit and they will not explain to me where they are receiving it from as a consumer I have a right to know how they retrieved it.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (DE)

I am XXXX XXXX XXXX, with the help of my wife of 10 years, we have been getting removed incorrect reporting pertaining to MY ( XXXX ), prior mortgage that went through and was XXXX  two years ago ( XXXX ), as a XXXX bankruptcy. We are uploading the information now and ask that ALL mortgage lenders acknowledge the correct information as it is. Core logic, Credco is one of the main credit reporting agencies that is not reporting the already corrected information pertaining to my ( my wife, XXXX XXXX XXXX ), was not or ever on the Mortgage Note, or Account. Thank you for expediting this issue that is keeping me in harms way and causing potential homelessness as my rental lease is up in a few months and I need to purchase a home now. Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (MS)

Fraudulent accounts reporting on my TransUnion XXXX XXXX XXXX credit reports. 

TransUnion XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXXXX/XX/XXXX {$5100.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX  XX/XX/XXXX {$9700.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX Bank # XXXX XX/XX/XXXX. {$5100.00} XXXX Bank # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-17
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: Asset Management Outsourcing, Inc. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called Citi Bank and revoked authorization for XXXX XXXX to charge my account. The following attempts were made on my account from XXXX XXXX after I called the bank. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I called Citi Bank again on XX/XX/XXXX after I noticed they charged me a {$34.00} fee for each attempt. I was told on XX/XX/XXXX they would freeze out the company. on XX/XX/XXXX the company tried hitting my account again. I called and was told they could see if the could refund XXXX overdraft. I filed a complaint with Citi on XX/XX/XXXX about the fees. However after MULTIPLE request to revoke authorization Citi Bank continued to let them hit my account repeatedly and charge me. I have been charged over {$400.00} in fees after I requested authorization revocation.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Hello about 2 months ago I tried to refinance my car but the lender was unable to pull my equifax report .it also happened at a loan company. I called equifax customer service and asked them tell problem .they want dl front and back and ss card which I copied and sent to the address they provided. It's been over a month no response and no release of my file .I need access to my file every lender I use uses them .I called again but it wasn't resolved .I 'm XXXX and XXXX and it's wearing me out .please help me Thanks XXXX XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.
Consumer complaint received 2022-07-18
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. (PA)

I have tried multiple times to get a collections account that is not mine removed from my report. I requested to have it verified and it still remains on my account. I was givin no information as to why. I want experian to verify an account for me but they wont let me dispute it. 
I want thems to verify the following 3 things : A copy of the origional application that shows my signature, The full payment history from the origional creditor, and the origional agreement showing they can legally collect debt. The account is not mine so im quite confident they wont be able to provide any that. If they cant I want experian to remove it immidetly. 

On my experian report the account shows Is under the name XXXX XXXX XXXX. The account number im being shown XXXX. it doesnt show the last 3. it says the balance is {$1000.00}. I have never heard of XXXX XXXX XXXX and have never had an account with them.
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The prior questions did not really apply to my situation, so here it is. This is about capital one credit cards. I have had several accounts over many years with this company, I have always paid my bills and never really had a problem with them, but since the pandemic started every time I would call in the rules would change from person to person. They were no longer on the side on the consumer but on their side. This last time I called about my Walmart card, asked why it wasnt working, I had paid it in full via a capital one checking account. I was speaking with a woman XXXX I believe, she was nasty when she got on the phone, I had. A friend in my car with me the call was on speaker, he heard everything, it was like I was bothering her, she would not simply answer the questions she went around it and around it. I asked for another supervisor she told me at first there was no one else and that she was the only available one. I got into an argument with her about how everyone has someone over them unless you own the company. She got another, so I did also. I asked over and over to talk to someone else to deescalate the situation, she continued to be a XXXX. So she finally said she would transfer me or was hanging up on me I cant remember, I was so mad by now, I said fine and turned to my friend and she she is a XXXX. Now that operator was listening on the line and heard me say that about her, I know not flattering on my part but I was so XXXX off and she was continuing to make it worse. So it just came out. She screamed at me oh now youre going to lose you card, I hung up on her and called right back and got someone different, she was calm and answered my questions, I told her what had happened and that was not said to that person I had though she hung up and was saying it to my friend. XXXX 10 days later capital one closed all of my accounts down and took me off my husbands cards. Like I said I always had paid the bills on time, I was late few years ago but I paid it. I did nothing wrong to have them treat me like that. I did not say it to that operator, I said it to my friend. I was never contacted by capital one to hear my side of the story, they just closed all of my accounts down. Now they have affected my credit score in a major way, I had 5 accounts and it was just reported that they were closed by the merchant which is hitting my credit like a brick. I have freedom of speech I can say anything I want ugly or not, my choice, I should not be punished for saying that to my friend about her. I actually was saying it behind her back. I worked very hard on my credit with that company and believe that if it isnt illegal for them to do this that itI should be. I want them to report my credit differently so it doesnt affect my score. This company has ruined all the years I have worked on my credit, if I can sue I will.
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (KY)

XXXX Mortgage XXXX XX/XX/XXXX. 
XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Consumer complaint received 2021-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CA)

Hello, I defaulted on my Student Loans and ECMC now holds the loans and they assigned XXXX to be the servicer. I have reached out to both companies and asked for copies of proof that they are the legal holders of my loans. I am about to begin repaying the loans but before I do I want them to prove they have all of their legal documentation and rights to claim payment in place. My payments will resume on XX/XX/2021. Both companies let me know that the federal pause on student loan payments does not apply to me. 

Neither company has granted my request provide copies of the documentation. As they have not felt obligated to produce any documentation at all I have become suspicious and wonder if they actually are in possession of all documentation necessary for them to hold the rights to repayment. 

Please help me compel them to provide the documentation I have requested. 

Thank you -XXXX XXXX  XXXX
Consumer complaint received 2021-08-17
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)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencieS TRANSUNION LLC have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX ON XXXX XXXX FOR {$480.00} AND XXXX XXXX XXXX ON XXXX XXXX  FOR {$1900.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter..BE ADVISED THE other 2 credit reporting agencies XXXX AND XXXX HAVE DELETED THESE 2 COLLECTIOND, WHICHIS CONSIDERED ADMISSION OF GUILT ..YPUR STILL REPORTING FALSE INACCURATE INFORMAYION ON MY CONSUMER REPOR FILE..
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

ATTENTION TO NCA ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company NCA ( XXXX XXXX XXXX ) in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-08-17
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. (MO)

I have reached out to Equifax credit bureau over the past 4 months. I have reached out to the company in writing several times wanting information on the 8 COLLECTION accounts that they have reporting on my report with no company information at all. ( I have attached pictures of all 8 accounts with account number in the attached files below. ) I As well asked for the method of verification for a BANKRUPTCY listed on my report. And if they were unable to product the required information that all 8 of those COLLECTIONS being reported and the BANKRUPTCY thats reporting needed to be removed IMMEDIATELY. I have asked the company several times in many letters their method of verification on these 8 collection accounts and bankruptcy and they have not responded at all to any of my request over the past 4 months. It is my right as a consumer for a credit reporting agency to tell me how they verified this information. I have advised them that if i would not receive a response within 15 days that I will be filling a complaint that was in XXXX. still there is no reply. They are supposed to handle my reports and report accurately verified information and they have failed to do so. I have been unable to move forward with buying a home because the information that is being reported is defaming my character. Please have this company delete these accounts IMMEDIATELY. The law requires a cra to investigate a report and have a full 30 days to do so. I have given them four months. I have listed the 8 collection accounts and will be attaching photos of the inaccurate inform on my credit report.Equifax has these accounts reporting with no company information. I dont know who these companies are and these should NOT be reporting on my account. 
Account numbers XXXX {$400.00} XXXX {$53.00} XXXX {$64.00} XXXX {$170.00} XXXX {$180.00} XXXX {$120.00} XXXX {$120.00} XXXX {$400.00}
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

Chrysler Capital initially reported this loan as a repossession although the loan was paid off in full by my car insurance. I disputed this and finally got them to remove the repossession since I was able to prove that insurance classified the vehicle as a total loss and paid the debt in full. Only to have Chrysler Capital update my credit report to show " late payments '' which is incorrect information. The creditor themselves are not able to provide concrete dates for these alleged late payments. Some show 30 days late while others state 60 days late. Additionally the dates ( months ) in which the late payments allegedly occurred are inconsistent across the 3 credit bureaus and overall incorrect.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation (AL)

Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. 

STILL NO PAPERWORK WITH MY SIGNATURE ON IT HAS SENT TO ME AS I REQUESTED.
Consumer complaint received 2021-08-17
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. (PA)

On XXXX XXXX XXXX someone attempted to gain access to my personal information by filling out a credit application in my name for a XXXX XXXX  Credit Card on my TransUnion and XXXX credit file., I have attempted to contact TransUnion and XXXX to remove this Fraudulent Inquiry / Identity theft of my personal information., This Action was even caught and the application was denied so to a Fraud Concern by XXXX and they sent me a letter verifying the Fraud Attempt made on my file and quickly notified me.. The letter is contained here in this notification.. If this inquiry is not removed by TransUnion and XXXX within 30 days of receipt of this notification, I will exercise my right to sue for damages under the FCRA guidelines in the Court Of Common Pleas of XXXX County, Pa located in XXXX, Pa XXXX