davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX OF XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX, CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Covid hit and completely halted all of my income for 24 months. Until corporate leaders have people come to the office my leadership development firm was closed. It has started to trickle back. Select Home Mortgage has promised me since XXXX that just one more piece of info and we will do your modification. I have begged to make a payment, but they won't accept XXXX. On XXXX XXXX, the date of Select 's correspondence arrived after the holidays via us mail to my house on XX/XX/XXXX. After opening I tried making a trial offer on payments, however, the offer expired on XX/XX/XXXX the day before I got the notice. Select would not honor a payment and have weekly asked for new things to a point now they are asking the same questions or newer documents in which I have sent everything they have asked. It's just a game to steal my home on account of the epidemic. Every time I talk to them and get the specifications on what they need they tell me I am approved and will be notified in days only to get another request which I have already sent in. I asked for a modification and can make payments. I need help, please. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (CO)

Dear Sir or Madam. 

I am writing this letter to recognize fraudulent activity has been taken against my XXXX Credit report. The activity comes directly from XXXX XXXX XXXX ( Rebranding to XXXX XXXX XXXX ) towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. This is for an account that has no record of me ever opening it or signing a contract agreeing to these terms. 
When I was 16 years of age, I joined a family plan when the company was called XXXX XXXX, upon which my father paid a premium for a family plan. Up until now, that premium was still paid to ensure that a family plan would stay open. 

According to XXXX as well my account on that family plan closed more than three years ago. I have not been in the use of their products or services for more than three years. And now I'm receiving collections for an account, that I have never signed up for, nor have I ever made use of. 

I am formally submitting this report recognizing that there has been fraudulent activity from XXXX XXXX  towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. The company has no right to have taken legal action against me for what they have done and have not presented me any proof of these things.

I want this fraudulent activity removed from my account and I want the continued fraudulent use of my Identification to come to an end. 




Regards, XXXX XXXX
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

In order to get my new policy I had to {$150.00} plus {$35.00} in fees and I paid XX/XX/22 Payment credit card of {$180.00} to start my new policy. Once I paid the representative said it would be removed from all 3 of my credit reports in 30-60 days from the day it was filed. It is still on my credit report and I am a current policyholder with XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (FL)

This is now my XXXX time submitting a CFPB complaint about Conrad Credit Corporation. 
I filed a complaint on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. With no resolution!!! Complaint # XXXX that was filed on XX/XX/2021 Conrad Credit Corporation acknowledged that they reported a duplicate collection account to my credit file and advised that it would take XXXX days for both collections to be removed from my XXXX, XXXX and XXXX credit file however this has not happen. I have called all XXXX credit bureaus and they advised they have NOT received anything from Conrad Credit Corporation. I am tired of continuing to file a complaint and neither the CFPB or Conrad Credit Corporation has resolved my issue. You are reporting a duplicate collection which is inaccurate and per my consumer rights per the FCRA this must be deleted from my credit file. This is my last time attempt to resolve this matter with both the CFPB and Conrad Credit Corporation. I will not wait another XXXX days for this matter to be resolve. I will file for litigation immediately. Remove these collection accounts from my credit file NOW!
Consumer complaint received 2022-07-18
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. (RI)

These were illegally added to my public credit profile on XXXX 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) 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 2021-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc. (NJ)

I sent a dispute letter including a police report proving that this account is fraud to this company on XX/XX/XXXX. I have called several times and have been getting the run around. I talked to XXXX  ( operator number XXXX XXXX yesterday XX/XX/2020 and she advised me that management last looked at the account on XX/XX/2020 but have not done anything else regarding the dispute and she will email them. Ive been disputing this account for over a year. I am now demanding that this fraudulent account is deleted ASAP!
Consumer complaint received 2022-07-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I possessed this vacant property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX by way of Adverse possession which all the paperwork was properly filed at XXXX XXXX of XXXX XXXX XXXX office the day of XXXX XXXX. Also Recorded at XXXX XXXX recording office. The home went into foreclosure the very next month. Then put up for Auction and sold XX/XX/2022. Apparently, the courts nor the auction winners knew anything about a possession claim, that had been properly filed, until the auction winner, picked the locks to the property and entered, a few days after the auction. I showed the sheriff, the locksmith and XXXX XXXX XXXX ( auction winner ) the Possession of Adverse claim paperwork and asked them to leave. Shortly after, XXXX XXXX contacted me and advised that he would file a " unlawful detainer '' upon me. The property was served the paper work twice, once with the words XXXX XXXX which i returned the first time back to the courts, and a second time in a envelope which i also returned. I was never given any notice of a default hearing or notice which is a violation of Civil Due Process. A eviction noticed was put on the door of the property with an offer to evict from the house in two days. This occurred on XX/XX/2022. I wrote to the courts for them to prove that the whole foreclosure was NOT fraud and That Bank of America even had the right or consent to foreclose on the home with the company NOT being the original lender NOR having any consent or transferred rights, seeing that the original home owner was deceased which i did try in contact but no luck. On XX/XX/2022 at XXXX, Six Sheriff Deputies entered the property with weapons drawn yelling for me put my hands up. I am now XXXX and the XXXX kids i have custody of have no place to go. They are ages XXXX, XXXX and XXXX. The property has been transferred in my name and reads as the current owner " XXXX which is a XXXX im the registered agent of. This is also recorded in the recording office of XXXX XXXX. Bank of America, NEVER had consent to foreclose on this home in the first place. I too, have, also sent XXXX XXXX, a Monetary instrument of {$210000.00} that i counter offered him for the property to stay in honor, which has never returned to me. By Florida statue law 673.6031 if Tender of Payment is refused, then the debt is DISCHARGED. I also properly sent him a letter 3 different times as proper for administrative process and He has never responded. I filed a motion for " Emergency motion to Re-enter '' and there isn't a hearing until XX/XX/2022. All my belongings, my kids things, memories, their and my clothes and other important documents including motorcycles and lawn equipment are still there. My kids and i have no place to go please help us, this is FRAUD and Bank of America needs to be held responsible. I had electricity, internet and security camera all set up and now all of that has been taken away from us. Thank You, God Bless You.
Consumer complaint received 2023-01-29
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. (PA)

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XXXX XXXX XXXX XXXX XXXX I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
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. (TX)

Experian has violated my FCRA right by reporting incorrect information on my credit report. I have been working with Experian since XX/XX/2021. I have sent numerous certified letter asking for full validation of the the late payment status of this account name XXXX XXXX XXXX Account number XXXX. Please direct Experian to do proper investigation and not just send request to third party vendor and come back to consumer and give me a status of " factual/ udapted ''. This is no proof. I have never been late for this account. This account is closed. The XXXX and XXXX have a status of " closed and Paid ''. Please remove this account from my Experian as the information on it is wrong.
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX  2021 XXXX XXXX XXXX XXXX closed my account and refunded my initial XXXX deposit, and the balance on my credit account is still not reflecting this update. Also, they are reporting my balance inaccurately to multiple credit reporting agencies. On XXXX XXXX, 2021 they sent me an incorrect billing statement as well. They are damaging my credit by not reporting the correct information, it is discouraging, and I do not agree with it.
Consumer complaint received 2021-12-03
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. (DE)

This has been my third attempt to rectify this matter. This account does not belong to me. Block and remove it. This account also came from a credit report so it should not be showing on a consumer report anyway.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans union has posted incorrect balances I want those updated and current period XXXX and XXXX XXXX are posted with the balance and the crediters have a balance of XXXX  and close I want transmission to update my credit report as it is very important for me!
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

My XXXX XXXX XXXX was stolen from XXXX XXXX XXXX on XX/XX/XXXX. My insurance company nor XXXX want to be held liable for it. I have been paying the {$870.00} note since XXXX. I reached out to both and they are giving me the run around. My insurance was current and I was told to park there by the Rental car center
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports. 
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 2020-11-19
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. (DC)

My complaint pertains to certain and possibly discriminating business practices associated with the TRANSUNION BUREAU AND XXXX XXXX. 

The problem for me and possibly millions of other people is that the TRANSUNION CREDIT REPORTING BUREAU is using a hamstrung tactics to force a costly use of their credit monitoring service, which sells at $ XXXX  monthly subscription. 

The company deliberately provides inaccurate low credit scores freely through third party marketing portals, to force a consumer 's costly subscription to their database. As was in my case, getting a very low Transunion credit score from XXXX, led me to make $ XXXX  monthly subscription to check on the accuracy of my credit score. 

With the monthly subscription, I was then able to dispute the inaccuracies which appeared deliberately held unto by Transunion, because those records were not found on my XXXX AND XXXX REPORTS. I then was able to raise my score from around XXXX to XXXX, between XX/XX/XXXX to XX/XX/XXXX. But immediately following my cancellation of the monthly subscription a few months ago, my Transunion credit score immediately dropped from XXXX to XXXX, as recently discovered from the XXXX XXXX  decline letter following my application for credit. 

The XXXX XXXX  appears to mainly base credit offer decisions on Transunion reporting, than XXXX and XXXX, considering that the bureau appears schemed to a low consumer credit scores for possibly certain demographics of people. 

The XXXX XXXX  is presently the largest holder and issuer of the majority of consumer credit cards in America, for most private label brands. The bank appears schemed towards a high interest credit market, using the misreporting of low credit scoring from Transunion. 

I presently average a XXXX credit score at the XXXX and XXXX database but find it difficult to get a credit approval because of the Transunion reporting low score. It's crazy and hurtful that this company is deliberately holding and stacking incorrect, inaccurate and derogatory information to lower people 's credit scoring, for higher interest rates.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WA)

In XXXX of XXXX I researched XXXX service prices. I mistakenly scheduled an installation date which I promptly canceled. I then received a bill for {$160.00} for services, though I never received any. I called XXXX and confirmed the appointment and account were canceled and no balance is owed. 

I am now receiving collections letters from Radius Global Solutions, LLC that I owe {$160.00} for a past due account with XXXX. I called XXXX today, XX/XX/XXXX, and spoke to 5 different agents who all confirmed the account is canceled and no balance is owed. I asked them for help removing this collection but none could find any evidence as to why there would be a collection. They continued to transfer me to several different departments but none could help. 

I have never received any type of service from XXXX and do not owe them money.
Consumer complaint received 2021-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (PA)

I am consumer XXXX XXXX, my federally protected consumer rights have been violated by AMCOL SYSTEMS. AMCOL SYSTEMS is a third party debt collector and did not have my direct written consent to contact me regarding alleged debt which is in violation of XXXX XXXX. XXXX  ( a ) of my consumer rights. AMCOL SYSTEMS, has obtained my personal information without my consent and is a breach of my individual privacy under congressional findings of XXXX XXXX. XXXX ( a ). Reporting and having my information without my consent is identity theft. AMCOL SYSTEMS can be held civilly and criminally liable for these actions. I do not owe any debt and I am the consumer under XXXX XXXX XXXX  ( XXXX ), I am not obligated to pay any debt. AMCOL SYSTEMS is in violation of XXXX XXXX XXXX  ( XXXX ), they have gained my location information and did not get permission from the consumer or anyone that is close and knows the consumer. AMCOL SYSTEMS states that the consumer owes a debt in which is a violation of XXXX XXXX XXXX  ( XXXX  ), debt collector must not state that a consumer owes such debt. The alleged debt that was sent is in a positive balance in which means you can not pay on a balance thats already paid, this is false and misleading and in violation of XXXX XXXX. XXXX ( XXXX ) ( A ). 

Cease and Desist was sent and received by AMCOL SYSTEMS with a tracking number of ( XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

1. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.