davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise credit services XXXX XXXX XXXX Latest attempt is XX/XX/2020 But has been going on for a year or so. 
Disputed this debt verbally with XXXX XXXX XXXX extensively. 
I XXXX XXXX had cosigned on an account for my daughter XXXX XXXX. Years ago. Approximately 12 years ago. She merged her XXXX XXXX XXXX account with her fiance about a year ago. +/- XXXX XXXX XXXX acknowledged this. But I started getting debt calls. Finally after hours and hours of hold time we got a manager to agree that the debt was transferred to the account and the old account was satisfied. A year later now I get a letter from sunrise credit services Inc. Claiming the same exact amount is owed.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (PA)

I do not owe XXXX XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe Cain and Weiner original debtor ( progressive ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
Consumer complaint received 2023-02-27
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. (NJ)

Dear Experian, I did not authorize XXXX XXXX to get my credit report as reported on XX/XX/XXXX. 2023. Please delete this as it is inaccurate and false. I DID NOT AUTHORIZE NOR RECOGNIZE THIS.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Torres Credit Services, Inc. (PA)

I do not owe XXXX  XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXX and XXXX original debtor ( XXXX  ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I believe that Mr. Cooper ( and its parent Nationstar Mortgage LLC ) are participating in what seems like predatory behavior with the mortgage they hold for me because no other explanation makes sense. 

( All figures in USD ). 
XX/XX/XXXX : my escrow balance was approximately XXXX. 
XX/XX/XXXX : Mr Cooper conducted a yearly escrow assessment where they anticipated my home insurance to be XXXX and property taxes to be XXXX for XXXX, totaling approximately XXXX. This was relayed to me by a customer service rep. 
XX/XX/XXXX : After this assessment, Mr. Cooper concluded that there was a SURPLUS in my escrow account and issued me a check in the amount of XXXX. 
In the correspondence included with the check, they also made a note that they anticipated my escrow payment to decrease starting XX/XX/XXXX. I will attach. 

Up to this point, my monthly mortgage payment was XXXX ( comprised of XXXX principal & XXXX escrow ). 

In the same correspondence of the surplus check, I received a notification for the XX/XX/XXXX mortgage payment. Mr. Cooper raised my monthly mortgage payment to XXXX ( monthly ins and taxes now XXXX instead of XXXX ). After speaking with customer service ( who didn't succeed at reassuring me this sequence of events made sense ), I was told that my home insurance was higher than expected so they had to increase my mortgage to cover this. They knew this WHEN they were issuing the surplus check to me ( see attachment ). Additionally, I was told by customer service that I couldnt just add money back to my escrow to cover any insurance hikes. So they allegedly assessed before they could properly estimate then did not give me an alternative option to make up any differences that may arise. 

I also submitted written inquiries to their website for which I received a stock message of they'll get back to me within a certain time frame in written form. The only letters I received was an acknowledgement of me submitting a request and an anticipated response time but no actual resolution. They also made sure to state that they were only a servicer and Nationstar owned my mortgage as if they were not all a part of the same company. 

To recap, I had an escrow surplus and they issued me a check only to raise my monthly mortgage payment anyway because I wouldnt have enough in escrow to cover insurance and taxes for XXXX. If they were acting in goodwill, why is the escrow assessment performed BEFORE theyve paid out/received the totals required for the calendar year? It smacks of plausible deniability while engaging in predatory behavior in my opinion.
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC (FL)

Trying to build a home with KHovanian. They offer incentives for their mortgage however their incentives all taken with excess fees and points I am in the XXXX, and my closing costs in fees was over {$22000.00} for a standard transaction. When I saved XXXX points and XXXX % with another lender, they then increased the price of my home by {$4500.00}. This is not only Deceitful, but in violation of equal credit opportunity act. 
This has been a terrible experience and khov home mortgage are a bunch of thieves.
Consumer complaint received 2023-02-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$330.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

EQUIFAX CONTINUES TO REPORT THE WRONG DATE OF BIRTH ON MY CONSUMER REPORT ALONGSIDE OTHER INACCURATE INFORMATION THAT DOES NOT BELONG AND IMPAIRS THE ACCURACY OF MY CONSUMER REPORT I HAVE PROVIDED NUMEROUS OF TIMES MY NATIONAL ID, STATE ID, DRIVER LICENSE AND OTHER INFORMATION NECCESARY TO CORRECT THIS ERROR. EQUIFAX REPORTS THE YEAR XXXX WHEN IN FACT I WAS BORN IN XXXX I HAVE BEEN TRYING TO CORRECT THIS ERROR FOR 2 YEARS NOW YET THEY STILL DISREGARD THE FACT TO DO THE RIGHT THING. THIS INACCURACY HAS CAUSED ME TO MISS OUT ON MULTIPLE LOAN OPPORTUNTIES AND EXTENSIONS OF MY PERSONAL LINE OF CREDIT.
Consumer complaint received 2023-03-02
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. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$280.00}.
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (FL)

In early XXXX of XXXX, I checked my credit score, which I do monthly. I noticed a sharp decrease in my rating and decided to look into the issue further. My credit report listed a collection from a company called Cedar Business Services , LLC. I called Cedar Business Services and they told me a debt was opened with XXXX XXXX and they are collecting on their behalf. The debt was approximately {$750.00}. They told me the debt was opened up under XXXX XXXX using my SSN. My name is XXXX XXXX. Cedar Business Services told me they would obtain documentation on the debt from XXXX so that I can file a police report for identity theft. Despite multiple calls to Cedar Business Services, I still do not have the documentation of the debt. This identity theft on my credit report is materially impacting my credit score. Please look into this.
Consumer complaint received 2023-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-23
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: TRANSWORLD SYSTEMS INC (TX)

the company TRANSWORLD SYSTEM INC. tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, TRANSWORLD SYSTEM INC account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Finance solutions claims that they are following HIPAA Laws but they have not. Under HIPPA laws, the information that can be shared with a collection agency is limited. The information that may be disclosed to a collection agency includes the debtor 's name, address, Social Security number, date of birth, account number, payment history and the name and address of the health-care facility or provider. However, HIPPA laws do not allow the medical records to be submitted to a collection agency. The services a patient received are private, and those records may not be disclosed to a collection agency. This company sent me a copy of the health records directly from them. THIS IS A HIPAA VIOLATION AND I HAVE THE DOCUMENTATION TO PROVE IT. I also have credit reports dating back to 2014 where this debt was never placed on my credit nor have I ever received anything about this supposed debt. Companies are required to notify you before placing any acct in collections and I was never notified of this debt. Both HIPAA and FCRA violations have occured on this almost 7 year old debt.
Consumer complaint received 2023-02-23
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. (FL)

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

XXXX XXXX : Account number # XXXX XXXXXXXX XXXX  : Account number # XXXX : 15 U.S.C 1681 section 602 A, States I have read 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 conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC (NJ)

Good evening I went online to apply for a loan so that I could fix my bathroom wall a loan place named speedy cash loan popped up so I applied upon applying they requested my banking log ins and I'd to verify my account they said I was approved for XXXX then changed it to XXXX the XXXX XXXX XXXX I woke up to random deposits in my account for XXXX twice and a refund amount into my account from a XXXX payout I did to a contractor from XXXX the loan people called me and told me that I needed to send them the money from the XXXX deposits and the refund via XXXX as it was only deposited into my account to be sure my account was valid which didn't make sense to me but they said to send the XXXX so I said if u deposited into my account then take it out of my account immediately they said they couldn't and I had to XXXX it back to them thus I said send me an office and they said they could not and that the only way was to XXXX it back this I did for the XXXX twice to a weird XXXX XXXX they provided and told them I didn't feel comfortable and to withdraw my loan application immediately I went to my bank and explained the situation to my bank they advised to close my accounts my personal and my business right away thus we did and advised to add fraud alert to my personal credit and to file a Police report as there was reason to believe this was a fake loan company scamming
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. My XXXXXXXX XXXX  accounts have inaccurate information regarding a pass due status. lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX ( account number XXXX XXXXXXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
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. (NY)

I sent out two letters dated XX/XX/XXXX via certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to have inaccurate items removed from my credit report. Those items were XXXX XXXX XXXX  XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. Equifax has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed.
Consumer complaint received 2020-05-27
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)

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX  and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist bank decided to declare my account as fraud. They shut me out of my. Account last week of XXXX, did not pay my automatic withdrawals so I lost my life and car insurance and a payment for a personal loan. I was told i couldn't spend my money how I wanted. I have a friend XXXX who does not work in a country with Wi-Fi internet towers plastered everywhere consequently he and his workers use steam cards. The site said they could. They need to upgrade apps, talk to banks and businesses. Excuse me I know this person. At the same time he had deposited checks into my account. At this point I told him not to approve as the bank said they were closing my account to fraud which I said wasn't. I didn't get anything from the bank about a problem until after XXXX, consequently they held my automatic deposit and I couldn't pay bills, get food, gas nothing. I am XXXX  XXXX I want an apology, double my direct deposit amount and their higher than XXXX attitude diminished. Since when can we not spend our own money for a friend and not told it's fraud. XXXX XXXX XXXX and now I don't want a us bank. Something is wrong with this system. I earn, I spend not fraud. Those two deposits were to be placed on hold, but they moved to my account causing overdraft fees, one hand doesn't know what the other is doing at this bank.